davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing this because back in XXXX of 2020 I filed disputes with XXXX  Experian and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Consumer complaint received 2021-01-16
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

NCB This all started out with XXXX XXXX and the class action Settlement for predatory lending with multiple States earlier last year XXXX within this settlement, it states that XXXX agreed to relieve loans and help repair the credit individuals affected by their predatory landing practices. This was a auto loan placed between XX/XX/XXXX through XX/XX/XXXX On XXXX XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the Predatory lending settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. ''
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.
Consumer complaint received 2021-01-16
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: Exeter Finance, LLC. (NV)

I paid my car loan in advance. {$3000.00} XX/XX/XXXX, {$2900.00} XX/XX/XXXX, {$2500.00} XX/XX/XXXX. They agreed to take payments out of this balance until the loan was satisfied or until the balance was exhausted from XXXX. They correctly applied the payments like we had agreed upon for XXXX. Without any contact with me they failed to apply funds from the remaining balance of the lump some payment from XXXX. XX/XX/XXXX I notified them that there was a derogatory mark on my credit stating the payment had not been made. I called when I noticed the payments had not applied from the money I paid in XXXX then they started applying the payments again with no additional money being paid in XXXX. This has impacted me in getting a new car and the payments never should have stopped being applied. They have agreed on several occasions that the derogatory payment should be removed as the error was on Exeters side not mine, but every time its disputed they say the info is correct. How can it be correct if they had my money and it just wasnt applied to the loan for XXXX and XX/XX/XXXX then resumed applying the payments as agreed upon until the loan was paid off in XX/XX/XXXX. Ive had multiple conversation with XXXX employees as well as supervisors over the past 12 months and have been unable to get the incorrect derogatory marks removed from my credit. At this point the derogatory marks are still there and I believe XXXX is no longer acting in good faith to correct their errors that on multiple occasions they have admitted is their fault. Im requesting that the false derogatory information for XXXX and XXXX be removed from my credit. I have provided a copy of XXXX statement that collaborates this information
Consumer complaint received 2021-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

This agency is attacking my name and credit with all three of the credit bureaus with frivolous and fraudulent sums of money they claim I owe their client. They have never sent me one piece of correspondence nor one phone call regarding this false debt. I contacted AG of Florida and they walked me through my next steps for protection against this harrassing agency, XXXX XXXX XXXX XXXX, Florida
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Credit card is NOT reporting the correct information about my credit card, such as credit limit, monthly payment activities, showing that the account is NOT being used and there is a dispute by customer on the account. 

There is no dispute on the account. 

I called XXXX customer service, they do not want to do anything about it, told me to contact the credit bureau. I email them again, they told me the system is down, we will get back to you, no one get back to me. 

This false records is affecting my credit score dramatically, when i try to seek a loan for refinance purpose.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX lost a class action lawsuit for messing up peoples fafsa i received money back in a check form due to this and the campus that i attended is mow closed this part of the loan that the class action lawsuit involved shouldnt even be able to be included with my loans period they actually have to take it off my credit report
Consumer complaint received 2021-01-17
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. (TN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-16
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I reached out to XXXX  and XXXX  several times via certified mail, with proof, that the Credit Acceptance account on my credit report was reporting inaccurate information ( last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than XXXX. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. Credit Acceptance refused.
Consumer complaint received 2021-01-15
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: ALLY FINANCIAL INC. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
OnXX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-16
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. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 47 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as Butler Snow previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NY)

I received NETSPEND XXXX card as a gift card for the holidays for {$100.00}. When I tried to activate the card the system informed me that this is not a gift card and that it requires my social security number to proceed to access the funds on this card. This is fraud. Each transaction is charged {$1.00} and is advertised a gift card which is wrong because I should not be required to provide any social security number to use a gift card.
Consumer complaint received 2020-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i swnt the company letter asking them to verify the accuracy of the account and to sen me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX  reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX experian, XXXX  and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.
Consumer complaint received 2021-01-15
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: General Motors Financial Company, Inc. (OH)

On XXXX XX/XX/XXXX GM Financial created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They sent me a letter on XXXX XX/XX/XXXX stating another company gave them authorization and still did not provide me with a document bearing my signature or authorization. I sent GM another certified letter to give them another chance to have the inquiry removed on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (AZ)

Received my Economic Impact Payment card on XX/XX/21. Following the instructions, I tried to call the number : XXXX. My intent was to activate the card. However, when I tried the number several times on XX/XX/21 and XX/XX/21 their automated phone message told me my phone number was not recognized. All other routes to contact them still lead back to the 8100 number. There is no " on-line '' activation that I am aware of. Their recorded message suggests I call them using a different telephone. I have only the one telephone. So, they have no computer activation or any computer contact procedure, the only phone I use is " not recognized '', there is no resolution procedure available other than to call their 8100 -- which, of course, does not work. What is the resolution to this problem? No contact information at IRS except to call the 8100 number. One can not help but wonder who is profiting off the interest in all the accounts in the same state as mine.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Open both checking and savings account with BOFA. 
I was informed that I needed to have minimum balance of {$1500.00} to avoid fees. 

I did maintain a combined balance of {$1500.00} or more to avoid fees w/o realizing that the {$1500.00} minimum balance applies to one account ( Checking only ) I called BOFA asking for refund of all fees that were charged ( 5 X {$12.00} = {$60.00} ) and have put at least {$1500.00} on checking only but was only refunded ( 3 months x {$12.00} = {$36.00} ) of fees. 

It has been a nightmare to speak with someone from BOFA over the phone since I can't go to the branch due to COVID and BOFA app/website DOES NOT HAVE ANY MESSAGING FEATURE to communicate via secured message to discuss checking fees other than having to call in.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is about a Capital One 360 Checking Account, This bank will not release Cleared Fund Deposited, and Has Not Allowed my Stimulus Money to be Received in addition to not releasing funds already in the account. I have called over the last two months, and have literally been lied to about the status of my account, and their promise to remedy the matter. The phone records, and recorded calls will bear out my allegations. The Bank is holding money that I need to pay my bills, and additionally causing my 2021 Stimulus money to not be deposited into the account, as other deposits have been accepted. I need immediate action, as this bank has put me in financial peril, and has been fraudulent in their activities ...
Consumer complaint received 2024-03-21
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. (NY)

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 

XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

i received a call from Target that someone tried to open a store credit card in my name. They asked me a few questions which i answered no. they said they would decline the application and to report the incident to you ( FTC ) today is XX/XX/2021
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

This is an ongoing problem for users sending virtual currency to the company Coinbase ( " a digital currency exchange '' ). On XX/XX/20 I made a deposit to my Coinbase account which was confirmed completed at XXXX for a transaction of XXXX Ethereum to my Coinbase account which has a current market value today of approximately {$52000.00}. I have yet to receive the funds in my Coinbase account. After reaching out to there customer support team, they do not have live agents to speak to only automated email responses informing that they can not help me at this time as the transaction was performed on another network and they can not access it. This is not true as other exchanges ( Liquid ) have assisted their users in retrieving the funds for them. The funds are on their servers and they are not willing to assist in crediting or resending back the asset.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I am a full time resident of XXXX Ohio and was charged on Macy 's XXXX XXXX card for purchases i neither authorized or knew anything about. In addition these charges took place in XXXX XXXX XXXX, New York. I have never been to this state and have proof of purchases made on my personal debit card in Ohio while these transactions were taking place. When I noticed the discrepancy, I contacted my credit card company right away to file a dispute. In response, they mailed me a copy of a signature that does not match mine from a store that i have never been to. The transactions I disputed and am still disputing were in the amounts of {$210.00} and {$190.00}. I have paid the remaining balance on my credit card that i was responsible for but I refuse to pay for purchases that were not made by me. There should be video security footage from the store that shows the purchase was not made by me and I am willing to send a picture to prove that as well. I will be filing a police report since my dispute was not resolved and am filing a report with you as well. I also intend to escalate my dispute with the credit card company directly. I am hoping someone can help me since I was never in New York and did not authorize the purchase of any men 's shoes Do not get a credit card with Macy 's or XXXX XXXX because they do not take fraud seriously.
Consumer complaint received 2021-01-15
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. (FL)

I have provided Equifax and XXXX  with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX  to XXXX  and Equifax so that they can follow accordingly. XXXX and Equifax have not updated my credit report. They are ignoring my notices and I have resulted to complain on both XXXX  and Equifax as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that XXXX  and Equifax need to remove the inaccurate information.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX  placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.