davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-09
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: Experian Information Solutions Inc. (DC)

XXXX XXXXL Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Dealers, New XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX CREDIT/JONES XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX ACCEPT Auto Financing XX/XX/2020 Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX Mortgage Companies XX/XX/2020 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

On XXXX XXXX, 2017 Equifax had a security breach which provided my social security number and other identifying information to " hackers ''. They never notified me of this breach. I learned of it 6 weeks later by reading the news! Are they kidding me with this?
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

on XXXX/XXXX/17 I sent a Money Gram to a XXXX XXXX out of Kansas city Mo. For an SBA grant program. The name of the person who told me to send {$300.00} via money gram is XXXX XXXX XXXX out O, Oregon ( not sure of the city ), XXXX XXXX XXXX pick up the money and ask me for more money the next day the amount {$850.00} which I did not send. After I ask for a refund he would not comply. Finding out that this was a scam through Faceboook ( other person involved is XXXX XXXX of Oregon also. 

XXXX XXXX XXXX claims that he works for the SBA Federal Grant Program, Which helps people pay their bills. All I need is help so that I can get my money back and also file a report with the FBI. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-06-01
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2021-05-08
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. (IN)

Two XXXX XXXX  account were disputed through Experian on XX/XX/XXXX because the balances were paid in full through the courts on XX/XX/XXXX. 

On XX/XX/XXXX disputes were returned and data in my Experian credit report was updated. 

Experian changed the charge off date on an account that was originally reported as charged off in XXXX of XXXX to XXXX of XXXX with the information they received from XXXX XXXX. 

The original, correct reported information before my dispute showed the account was charged off by XXXX XXXX  and reflected on Experian/XXXX/XXXX credit reports in XX/XX/XXXX. 

On XX/XX/XXXX once the dispute made through Experian was complete, the charge off date changed to XX/XX/XXXX. My late payment history changed from 2+ years to 0 months, and dropped my credit score 30+ points.

The account original charge off date was not being disputed in my initial dispute made through Experian. The only thing being disputed was that the balance was paid in full, but did not reflect on my credit reports. 

The erroneous information XXXX XXXX  furnished to Experian and published to my credit report changed my accounts XXXX and deletion/purge date on my credit report. This is illegal re-aging. The false information listed on my credit report has significantly hurt my credit score and caused various amounts of undue stress to me and my family.
Consumer complaint received 2023-05-03
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. (CA)

XXXX XX/XX/XXXX i sent my initial dispute to experian highlighting inaccurate, incomplete data reporting on account XXXX.. i attached my initial dispute and the official credit report from their official experian credit report shown in attached images below. experian completed my disputed stating they updated this information. i provided them with sworn affidavit testimony that this information is still incorrect and requested sworn testimony. stating " that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? '' they did not reply. this affidavit also included a vivid picture of the incompleteness in the payment history of this account. i mentioned the dates that were missing that is causing this account to be inaccurate. as shown in images below. i stated in my affidavit that " this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. '' they opened a dispute on this account and stated they updated this information. they made no changes to the account. there is still 3 years of payment history not reporting. the payment history shows that the account began reporting in XXXX of XXXX and charged off in XXXX of XXXX however, it says the day the account was opened was XXXX of XXXX there is missing data from XXXX. this is hurting my creditworthiness, my character. this is my final attempt before contacting a lawyer for a suit. all evidence is attached. i have tried all i can do to remove this account because it is missing information.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

So on XX/XX/2021, I filed a complaint to Chase saying that, I had used my card on the website XXXX in order to buy {$700.00} worth of XXXX, and the website XXXX did not send the purchased goods to me, nor were they responsive to any of my questions requesting when I would receive my funds. I was issued a temporary credit through Chase while they looked into it, I thought all was fine until I receive and email from Chase saying, We found that the transactions were processed correctly or was authorized, as a result we are removing {$700.00} from your account. Even when I called the first time I said I can provide receipts and email receipts of me trying to contact XXXX and me not receiving the goods I paid for. This is truly disturbing, that Chase wouldnt even bother to contact me in order to ask for more evidence on my end ( which I wouldve gladly sent ) and just said the claim is over ...? The claim number was XXXX. I need help getting through to Chase about this claim and actually receiving my money back rightfully. Thank you!
Consumer complaint received 2021-05-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (NY)

Thie complaint is against Kia Motor Finance Corporation. I incurred costs due to the company 's failure to remedy my inability to register a car leased through XXXX of XXXX XXXX ' ( dealership ) in New York. 

At the time of lease, the dealership indicated that the vehicle could be registered in NY and I provided NY insurance. But despite many phone calls and emails by me, the vehicle was never returned to me and I could not use the car or park it safely for periods of the lease term. 

No attempt was made - either before or after towing the car back to Maryland at my own expense so that I would not incur tickets - to provide any alternatives so that I could use my vehicle, or mitigate the cost of returning the car to the dealership, or mitigate the lease termination cost. And no attempt was made to have my XXXX lease payment suspended or otherwise reduce lease termination costs, for example by buying back the vehicle. It's unfair for me to have to pay the entire lease termination fee of over {$3500.00} based on this. Most pertinent to this complaint, when after much additional correspondence, a bill was sent to me ( 1 ) I was not notified in a timely fashion because a letter was sent to my home when I had indicated that I had relocated due to COVID and would require email or phone notification ( 2 ) I was not informed of any right to dispute the charges. 


Thank you for your guidance. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (NC)

Account XXXX You are still reporting this trade line. You have mentioned on the current trade line with Experian that the date of last payment was made XX/XX/2014, therefore, not XXXX other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. 

If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. 

In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be deleted.
Consumer complaint received 2021-05-09
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. (CA)

My personal information was exposed in Equifax 2017 Data Breach. I checked my Equifax credit report and I see fraudulent inquiries. Equifax has not removed these inquiries after sending numerous dispute letters to them.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (VA)

Due to Covid-19, my household has faced a reduction in income. We are just getting back on track with bills and managing everything at the same time. However, in the course of the last few months we have had a few returned payments from ACH payments related to our bills that were set on AutoPay. Navy Federal Credit Union has charged us over {$600.00} in returned payment fees, many of which were for the same bill that attempted to be drafted more than once. We have reached out to Navy Federal on multiple occasions, via phone calls, in person visits and in writing, requesting that at least some of the fees be returned as goodwill in order for us to continue getting back on track during these hard times. However, Navy Federal has denied our request for the fees be returned stating our account was not eligible and replied to our letters stating they were available to answer questions regarding the fees but we haven't made progress as far as having any fees returned.
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (IL)

I am writing this complaint in response to Target letter dated XX/XX/2023. Which Ive included a copy of the letter, Consumer Financial Protection Bureau, case number XXXX. 

I find it perplexing that Target would even consider honoring a refund request for a debt agreement that has already been executed. It is evident that the debt was paid in full according to the terms of the agreement. Therefore, it raises serious concerns as to why Target would allege to have entertained such a request without proper justification. 

As a responsible consumer, I understand that the concept of a refund is typically associated with situations where a payment has been made in error or for goods and services that have not been provided. 

However, in the case of a collections debt agreement, where the payment has been fulfilled and executed according to the agreed terms, it is unreasonable to expect a refund. 

Moreover, the refund check remains uncashed. This is because Target already possesses the full amount of {$520.00}, as per the executed collections debt agreement. 

I kindly request that your office conduct a thorough investigation into this matter and ensure that Target XXXX provides a detailed explanation for their decision to entertain a refund request on an executed debt agreement. 

It is crucial for businesses like Target to maintain transparency, uphold the integrity of their operations, and provide satisfactory resolutions to their customers. 

I appreciate your attention to this matter and request that you take appropriate action to address this complaint against Target XXXX. I have enclosed copies of relevant documentation. 

Please feel free to contact me if you require any further information or clarification. 
Thank you for your time and assistance in resolving this complaint. I look forward to a prompt and favorable resolution to this matter. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items as soon as possible : 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
Consumer complaint received 2021-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Barrett Financial Group, L.L.C. (TX)

On XX/XX/XXXX I signed loan documents to refinance my VA home loan. The broker, Barrett Financial Group, L.L.C ( " Barrett '' ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, told me that my new mortgage payment, included escrow payment, would be approximately {$2500.00}. Six ( 6 ) months later, in XX/XX/XXXX, my mortgage payment jumped to {$3400.00} which is {$920.00} more than my approximated mortgage payment at the time of closing AND {$410.00} more than my mortgage payment prior to this refinancing which reduced my interest rate! I reached out to Barrett and was told that this increase was due to several factors : 1 ) Barrett underfunded my escrow account at closing stating that XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, had incorrectly calculated my taxes by not including my MUD ( Municipal Utility District ) which was {$2600.00} 2 ) Barrett also told me that due to a 'miscommunication ' the mortgage broker XXXX XXXX XXXX , XXXX . ( " XXXX " ) paid my home owners insurance of {$4300.00} even though my insurance was paid during the refinancing process. 3 ) Barrett also informed me that there was a slight increase in property tax of {$270.00}. 4 ) These 'discrepancies ' total {$7100.00} which means that my escrow payment should have increased by {$590.00} ( {$7100.00} / 12 months ) but my escrow payment has jumped {$920.00} ; a difference of $ XXXX month which means I will pay {$3900.00} MORE in escrow payments than what Barrett is telling me the deficit is. I did receive a refund from my home owners insurance company of {$4300.00} since it was paid twice. I kept this money and I have been using it to make my new very large monthly mortgage payment but that will be exhausted XX/XX/XXXX. Barrett financial told me over the phone that " you ( I ) owe this money '' and that there was nothing they or I could except that maybe I could hire an attorney to see what legal options I might have. Barrett told me in an email that " ... as legal options you would have to speak to your attorney ... '' -- I do not have money to engage an attorney to fight this! There are several things I think are of concern here. First, Barrett nor XXXX XXXX nor XXXX seem to be willing to take any responsibility for their part in this debacle. Second, the amount of the escrow 'discrepancies ' should have only increased my escrow payment by {$590.00} but it has jumped {$920.00}. Third, aren't mortgage brokers, title companies and mortgage servicers supposed to carry errors and omissions insurance to pay for financial errors they caused? Forth, this is an outrageous increase, and potentially unsustainable, and all I have received is a weak apology from Barrett and their suggestion I retain an attorney. Please HELP! I believe Barrett should be held financially accountable for a whopping 37 % INCREASE in my mortgage payment.
Consumer complaint received 2022-11-21
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. (IL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX ; XXXX  XXXX, XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX, XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (SC)

The company i'm filing a complaint for is BBVA USA. On XX/XX/XXXX they transferred all customers from a now shut down bank called Simple into their service. The transition failed and now many thousands or more customers are struggling to try to get access to their accounts and to their money. BBVA USA customer service has been terrible or non-existent. They consistently hang up on customers when they tried to call and get the transition issue resolved. Their website has countless errors when customers try to enroll online or in their mobile app. They locked almost everyone out of even being able to try to login. This needs to be looked into so all these people can have access to their money and banking again. It is unacceptable.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My account was hacked and several unauthorized payments of a total of {$4900.00} were made using XXXX and apple cash from XXXX. 
I reported this as soon as I found out to Chase bank who initially reimbursed the amount back to my account. 
On XX/XX/2021, the bank notified me that their research concluded that the transaction was authorized and that they would take back the reimbursed amount of {$4900.00} on XXXX and XXXX. 
After getting this message, I made several attempts to talk to them on the phone even visiting one of their branches. First, calling them and being connected with someone was such a painful process as I was put on hold for up to 50 minutes. Even during this long hold I would be disconnected without any announcements. 
After several frustrating failed attempts spanning several days I finally was able to get a hold of someone who said I had to provide proof that I did not authorize those transactions to be reimbursed the lost amount. This is impossible for me because ( 1 ) my account was hacked ( I don't know how ) and the transaction was made using my account and password by a wicked hacker, ( 2 ) I don't know the other party who received the money. How am I supposed prove that I do not know that party. 
Isn't it the bank 's job to find out the ip address of the receiver and figure it out? I don't have the technology and knolwedge to do that. 

I am already indebted with my college loan and I just can not afford to live with extra financial burden which is of not making at all. 

The bank is not doing its job to support their loyal customer and making it so difficult to dispute bank 's wrong process and due diligence. 

I demand full investigation into this matter and a full reimbursement.