davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (FL)

went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (WA)

Waypoint is affiliated with XXXX and has reported that I owe an illegitimate debt of {$200.00} to all three credit bureaus for unreturned equipment. XXXX and XXXX have conducted an investigation and have both deleted the collection from my report. XXXX was also disputed but did not remove the collection from my account. I filed a second dispute ( both times providing documentation of the returned equipment ). I requested that this company provide proof of the debt but they have not produced any information to date. This is a erroneous claim that was settled well over 2 years ago and should not be suddenly popping up out of thin air and damaging my credit.
Consumer complaint received 2021-07-07
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: DISCOVER BANK (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2020-08-05
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. (NV)

I submitted a dispute in on XX/XX/XXXX. I received a response denying my dispute a week later. I then mailed in a method of verification request for this dispute. The letter was mailed certified and was signed for on XX/XX/XXXX. I had not received a response within the 15 days required by law. Therefore, on XX/XX/XXXX ( over 30 days after the letter had been signed for ) I mailed in a letter demanding this item be removed since the FRCA had been violated. This letter was signed for on XX/XX/XXXX. They still have not removed this item or given me a response. The person on the phone told me they did not have to do this investigation. Completely unprofessional.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (AR)

On XX/XX/2020, I received a notification from XXXX XXXX about a new debt collection account on my credit report. I checked with the credit bureaus and a collection was placed on my account, lowering my credit score 66 points. I disputed directly with the credit bureaus, as I have been a victim of fraud, and have a police report indicating same. I had no knowledge of the collection account. 

On XX/XX/2020, I received a written notification in the mail from Franklin Collection Services notifying me of a collection account with XXXX XXXX XXXX for " Utilities ''. This letter was dated XX/XX/2020 - over seven weeks ago! 

This was the first notice I received and in fact, I didn't know about the collection account until I received a notification from XXXX XXXX. 

I know that I have five ( 5 ) days from the notice of the letter from the collection agency to dispute the debt. However, since they sent me a fraudulent letter in XXXX that was dated over seven weeks ago, they are making it appear like I had received notice, not responded, so they reported this debt to the credit bureaus. That is absolutely not what happened! 

Their fraudulent actions and misrepresentations have led to my credit score being lowered 66 points, over a {$75.00} " alleged debt '' that I had no notice of! 

I have proof that I received the notice ( attached ) on XX/XX/XXXX from USPS Informed Delivery email dated XX/XX/2020. 

They violated my rights, they did not allow me time to dispute the account or request validation of the debt, and they are directly responsible for lowering my XXXX credit score well below XXXX! I have worked extremely hard at building my credit and their fraudulent and improper actions have ripped that from me. 

The credit bureaus will not remove the collection account because Franklin has reported it as a valid debt without providing notice to me or validating the debt. 

In addition to their improper actions, I had placed a fraud alert with all three credit bureaus on XX/XX/XXXX due to receiving notice that my identify has been stolen. I have a police report filed on that same date proving identity theft. 

In addition to Franklin Collection Services 's misrepresentations and violating my rights, the credit bureaus allowed an unverified collection account to be placed on my credit file AFTER I had placed a fraud alert and provided a police report. 

I have been the victim of improper actions by Franklin Collection and by the credit bureaus. My score is drastically lower which will effect many areas of my life - including buying a house, buying a car, my auto insurance premiums, etc. 

I will seek damages if they do not correct their actions and go through the proper, legal channels to verify this alleged debt.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

Barclays miles and more credit card is charging {$10.00} cash advance fee for a {$30.00} XXXX transaction ripping people off It is supposed to be a 5 % of the transaction instead they have been charging a {$10.00} minimum contrary to the agreement Not sure how many people actually notice this but this seems completely illegal
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-30
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXXXXXX 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I attempted to connect my checking account to multiple services that use XXXX. Some are essential to my life. 

Some, like XXXX, give access to my pay through no cost advances on my pay. 

Others, like XXXX, allow me to have a business bank account that I can transfer quickly in a verified way in and out. 

This is not an exhaustive list. 

XXXX is an important part of living online, PNC is important as the only real bank around. 

PNC should allow XXXX to access as all other bank accounts I've had in the past has.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

I called 3 times and spoke with 3 different agents. I cant remember the first one but the second one was named XXXX and the third was XXXX. They wait time wasnt a problem which was 2hrs 30min per agent XXXX informed me that she would love to activate my card and transferred me to the automated systems XXXX told me on the last call of the day at XXXX that my card was replaced by US BANK RELIACARD OR US BANK NATIONAL ASSOCIATION for no apparent reason I already had a card ending in XXXX why would she not inform me in the beginning that my card was replaced did she not review the account notes? Also XXXX was rude and over talked me on phone she didnt really seem confident in the information she gave me. Why would I be put in an inconvenience like like no one could inform me someone dropped the ball. I need and explanation to what happened how could this happen and no agent could inform me or tell me the truth
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CO)

Yesterday, XX/XX/2024, a credit card was opened in my name, fraudulently, at Chase ( XXXX XXXX XXXX Ive informed Chase today and theyve since closed the account and Ive locked my credit through XXXX
Consumer complaint received 2023-05-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My Mortgage company is Amerihome. 
Loan started XX/XX/XXXX and started paying more than I was supposed to into escrow account. {$2300.00} At the end of the first year I had an overage of {$2700.00}. 
I received my monthly statement in XXXX or XXXX of this year and my payment went up to {$2500.00} I was shocked and surprised by this and called them. They put a work order in and finished the research on XX/XX/XXXX. 
I was told that the check for {$2700.00} was mailed to me and cashed by me between XX/XX/XXXX and XXXX XXXX. That was why there was an increase to my monthly payment. 
I explained that this is impossible and never received anything in the mail, never cashed the check and checked all banking institutions. NO CHECK WAS EVER CASHED BY ME. 
I then asked for an image of front and back of the check, signature as well, but was told that was not part of the research they did. 
So I was told to put another work order in to request an image of the check with the understanding that they might not have it. 
I HAD MONEY FROM MY ESCROW BASICALLY STOLEN FROM ME AND DON'T KNOW WHAT RECOURSE I HAVE.
Consumer complaint received 2023-02-28
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX  XXXX XXXX Balance {$650.00} XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$12000.00}.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/21 I sent a dispute letter to TransUnion with the tracking number XXXX. XXXX records show that on XX/XX/21 TransUnion accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. TransUnion has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with TransUnion. TransUnion willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent TransUnion a follow-up letter dated XX/XX/21, with the tracking number XXXX. XXXX records show that TransUnion accepted my letter on XX/XX/21. In my second letter to TransUnion, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe TransUnion is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. TransUnion is hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this complaint.
Consumer complaint received 2020-08-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

My husband and I were trying to get a mortgage loan XX/XX/2020 through Loan Depot lending. We were told that my husband qualified for a FHA loan due to his credit score of XXXX. My score was a XXXX but I didn't qualify because I had late payments within a 12mo. Period. We were told to find a house pay {$500.00} Earnest pay, {$420.00} inspection fee and {$220.00} Appraisal fees. We did all that and when it was time to close we were told that the closing cost would be {$6000.00}. We saved the money and a couple of days before closing we needed to show proof of two times that amount BEFORE they could submit the application to the underwriters. We are now out of all this money and was told we can't be refunded due to the fact that we canceled our contract.
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

I have been overcharged on my escrow account by planet home lending since the beginning of XXXX and continue to be overcharged. I first emailed regarding this issue on XX/XX/XXXX and had phone conversations with them in the following days. I thought everything had been squared away but I began to investigate my escrow account and found that was not correct. I wanted to make sure I would not be short again this year on my escrow and I realized I was still being overcharged. They have three amounts for my taxes when there should only be two. They have listed a town that is 45 minutes away from where I live on my escrow. I do not live anywhere close to this town therefore I can not pay taxes to them. They duplicated the amount of my county taxes and listed it as another town. So not only do I have my county taxes and city taxes but then I have a made up amount to a town I dont live in. I reached out to them again on XX/XX/XXXX in email and never heard anything so I called on XX/XX/XXXX to be informed there investigation was concluded on XX/XX/XXXX and that I was wrong. I began getting proof together to send to them in the form of : my tax records, payment and escrow information, and tax ID number to send to them. Which I have in email on XX/XX/XXXX and have not heard anything back from them. I have all proof and would be glad to send it to you.
Consumer complaint received 2020-08-05
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. (AZ)

I settled my Account with XXXX on XX/XX/XXXX. 
I settled in FULL for less than the balance. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
This means in XXXX you do NOT continue to report it as if activity is on it. 
You can see in another account ( XXXX ) that my settlement was done correctly reported. 
You put an N for the settlement month only. 
After that, the next month does NOT get an assigned value, and the reason is because the account is now closed, paid, and dormant. 
There is no new data to report. 
The account is settled. 
Settled is Settled. 
I called your representative 2 weeks at XXXX and they agreed. Settled is settled. 
You incorrectly stated it was a Charge Off 2 times, yet you don't put the CO code for the month, because you know it is NOT a charge off. 
I settled with a settlement before a Charge Off. This account was nowhere close to being a charge off. 
It was settled in good faith. 
I was given 3 months to pay {$380.00} each month. Instead, I paid this amount within 72 hours. The ENTIRE settlement. 
And you reward me by XXXX  my credit. 
This is not right. 
My payments were as follows : {$310.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Except I paid the {$380.00} on XX/XX/XXXX and 2 days later I paid the final 2 payments together, for a total of {$760.00}. 
So in XXXX I was Settled and Paid to {$0.00} Balance. 
XXXX and XXXX there is to be no data included in those months. 
There was never a charge off.
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted XXXX reporting agency in XXXX about item # XXXX US bankruptcy that is reporting on credit report .So I contacted the bankruptcy court in XXXX and they sent a letter saying that donot report to the credit agencies.so I sent them a letter with the inclosed statement with the court responses and on XX/XX/XXXX I received a letter from Transunion saying they verified the item with us bankruptcy court in XXXX as accurate.which I know as to be false .This item is a clear reporter error.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (OK)

I was informed by our lender that there was a credit problem on my report with Wells FargoXXXX XXXX. The lender stated that according to the credit report, the XXXX XXXX  XXXX account was closed XXXX of 2020 and there was a {$7.00} outstanding balance remaining. 

The last payment paid to this company via their phone number was on XX/XX/2020 for the amount of {$210.00} which according to the IVR, that was the current balance ( not the minimum payment ). I was under the impression that the bill was " paid in full ''. I just received a bill for the Billing Cycle XX/XX/2020 to XX/XX/2020 for the amount of {$7.00} that is due on XX/XX/2020. 

The information on my credit report is false/not valid and is affecting my credit score tremendously especially now when I am in the process of purchasing a new home.
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX in XXXX. I financed the vehicle at {$18000.00}. Over the length of having this loan, Ive made a total of 24 payments. On XX/XX/XXXX, I had two refunds from XXXX in the amounts of {$3200.00} and {$890.00}. Those two payments were the first two payments that were applied to my account bringing my principal balance down to {$12000.00}. My first principle payment was made on XX/XX/XXXX. I made three principle payments on XX/XX/XXXX in the amounts of {$420.00}, {$420.00}, and {$420.00}. On XX/XX/XXXX, Chase, without my authorization reversed those payments from my account and put those payments all to the interest that I dont agree with on my account. On XX/XX/XXXX I made another payment of {$840.00}. I didnt make any payments on the loan prior to XX/XX/XXXX because at that time I was under the assumption I had no payment due according to my online statements. Im filing a complaint because Chase Auto refuses to resolve my concern in regards to my auto loan interest. Ive made numerous attempts to get my concern resolved but was unsuccessful. The last principle payment made on my account was for {$41.00} on XX/XX/XXXX. According to my own calculations and receipts, my auto loan is paid off and Chase Auto is refusing to release the title of my vehicle until I resolve the principal balance on my auto loan that I do not agree with.
Consumer complaint received 2022-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I closed on a home equity line of credit through citizens bank on XX/XX/2021. I was under the assumption it was a fixed loan as the paperwork states. In an area I was shown on an auto debit authorization form which listed both customer information and financial institution information which was signed. The customer information column includes loan account number which states fixed loan. The other column under financial institution information lists a corresponding citizens bank checking account that was canceled soon after the transaction that offered a percent reduction for opening the checking account with citizens bank. I found out its not a fixed loan and I was never able to take advantage of a percent reduction. In a year my percentage rate rose from 6 to a current rate of 9 percent.