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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
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: EQUIFAX, INC. (MI)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (FL)

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (FL)

My Name is XXXX XXXX, i use check cashing weekly at XXXX located at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX. Today i was declined a check cashing for no specific reason. This company Certegy has no customer service lines and no means to dispute. This has caused me to go other check cashing areas and wasting time away from work simply to cash a check. The number they provide to supposedly find out why gives you a list of reasons but not exactly why my check was declined. This is super frustrating being that I'm not rich and live paycheck to pay check. Companies like this need to be removed from check cashing world cause they don't provide any assistance but have every bit of power to not allow companies that have to deal with the customer face to face to cash check based off of " hmm today I'll decline 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: Chime Financial Inc (UNITED STATES MINOR OUTLYING ISLANDS)

I send more proof of return to sender for my refund. I don't have the wig, because they request me to return, I did with there return label picture attach show. All I want is just my refund of {$110.00} I used my Chime Bank credit card for this purchase XXXX XXXX Note : You never had my dispute form and my evidens of document to make your denial, to close my case. You ignored my paperwork before it got into your hands to make your decision to close my claim so that's why I submitted everything back in for your review for my refund that's the right thing to do.and I should have to wait no 45 days for my refund because it was never reviewed from the first time. 

Copy letter : This what I send to my Chime Bank XXXX XXXX XXXX Here are my documents that Dispute refuse to review today. You didn't take the time to review my proof of fraud again this company XXXX For my {$110.00}. 

They requested the package with there label I did return to them the same day of recieving the package wig inside. That I did not order XXXX XXXX XXXX in NJ. Request the Dispute to contact him XXXX at XXXX to verify my claim return the package to get my refund back. They never contact him. In my Claim. This Company got the wig I return and my money if {$110.00} And I report this to my XXXX bank. In this matter.. 
Please contact me at XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

Amerisave Mortgage should be investigated for being incapable of servicing mortgages. EVERY SINGLE month, I have to call them to fix some screw-up or other. Their employees provide false and misleading information, make promises that are not kept, CLAIM to be making desired account changes, but fail to do so. Cancel automatic payment plans for no reason whatsoever ( not at the customer 's request ), at least three-quarters of the people that take your call on the phone ( when you can actually GET someone on the phone ) have some sort of shortcoming with respect to knowledge and/or performance of their job. I have NEVER encountered a more incompetent institution in ANY industry. Massive reform is needed. Management should be flushed, employees given far more training than they have received to date. I was promised that a biweekly payment plan would pay down capital every two weeks, but after MANY conversations, I discover that Amerisave merely withdraws funds every two weeks, sticks the money in a non-interest bearing account, waits for the second half of the full month 's payment to arrive, THEN pays the mortgage and for this privilege, the customer must pay a startup fee of {$150.00} and pay the mortgage a month in advance. This is a scheme for robbing the customer of the interest in their source funds account and capturing that money for Amerisave to use interest free for two weeks until the other half of the payment has arrived. It's a form of theft, but it's presented as a plan that pays down the capital at an accelerated rate. Deception, misrepresentation, and incompetance in one institution.
Consumer complaint received 2023-01-17
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OK)

XXXX  i bought a challenge paid XXXX down. While i was out the country my payments were not applied to my loan and one of your loan officers told me i couldnt afford to pay my debt even though i offered $ XXXX cash.since then it has ruined my life
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

My car was totaled on XX/XX/20. My insurance company ( XXXX  ) sent 3 checks to the loan company ( Ally ). The 1st was sent on XX/XX/XXXX, credited on XXXX ( for just over {$10000.00} ). the other 2 checks ( {$4000.00} and {$2400.00} ) were sent on XX/XX/20. They STILL have not been applied to the loan to close the account. I have called repeatedly, been told the checks are " pending '' and to check back because " they are having issues with a system update ''. Meanwhile I continue to make monthly payments ( which means they are collecting money over and above what is owed to them ) with no end in sight. No one can give me a time frame of when this might be resolved, and no one there ( at Ally ) seems to be able to explain why they haven't cleared the checks. I can understand system issues happen, but holding money ( all the while collecting more than what is owed ) and not being able to give a reasonable answer or time frame seems more than a little shady. If they are doing this to all their " total loss '' accounts it could involve THOUSANDS upon Thousands of dollars over and above what the loans were for. When I spoke to them again today ( XX/XX/XXXX ) I was told a supervisor would call me back in 24-72hrs, but that they wouldn't be any better able to answer my question or solve my problem.
Consumer complaint received 2023-01-17
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts 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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

I am refinancing my mortgage with Loan Depot and closed on XXXX/XXXX/2020. The closing/title company is CLOSINGUSA. I was told that my loan will be funded by XX/XX/XXXX2020 and that's why I had to pay the per diem interest to my current lender until XXXX/XXXX/2020. However in the XXXX statement the cash to close was higher than what was in the closing disclosure by {$300.00}. I was told this was because they had calculated the payoff amount until XX/XX/XXXX2020 according to the payoff statement provided by my current lender ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and that I would be refunded for the XXXX extra days of per diem interest after loan is transferred, as my loan would be paid off by XXXX/XXXX/2020. As of today XX/XX/XXXX2020 my loan has not be paid off by the CLOSINGUSA/LOANDEPOT. I have followed up several times with LoanDepot XXXX XXXX XXXX and XXXX XXXX XXXX and keep getting different excuses. They sound helpful and courteous but are unable to resolve the issue. For the last week or so, every time I call them they keep telling my that the wire transfer was made or will be made 'today ' but I never get the tracking information or a confirmation from them. In my email communication ( dated XX/XX/XXXX2020 XXXX, I did however get a confirmation from XXXX that they will honor the XX/XX/XXXX closing date XX/XX/XXXX2020 funding date, but I am yet to receive the wire transfer confirmation. I was also told that I will be receiving a supplemental wire transfer for the per diem interest but they don't have my bank information, so I don't trust that information is correct either. 

I have reached out to the title/closing company as well, but have not received any response or call back. 

I will end up having to pay the mortgage for the month of XXXX to my current lender and am afraid, that due to the delay in payoff by the closing company, end up paying extra for the per diem interest.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian, XXXX, and XXXX regarding several inaccuracies on my credit report. I also reached out to the collection agencies that are reporting this inaccurate information but they never responded after several attempts. The issue i have with Experian, XXXX, and XXXX is they are falsely claiming they have done investigations and I know for a fact, 100 % they have not done any investigating because i also provided them proof of the inaccurate information and they still failed to remove the items. For example : I provided a copy of all 3 bureau credit reports and highlighted the inaccuracies across all 3 bureaus. If all 3 bureaus are indeed performing an investigation and gathering their information from the collection agencies, then there is no reason for all 3 bureaus to have different information ( balances owed, date of last activity, collection accounts that still show open status, late payment/charge off dates all different ). 
XXXX XXXXXXXX XXXX XXXXXXXX shows open status with XXXX, but closed with XXXX. It says account not disputed when I also have proof this account has been disputed several times. 
XXXXXXXX XXXX XXXX XXXXXXXX shows open status with XXXX and closed with XXXX. Date of last activity shows XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. This account also says not disputed and i have proof that it has been disputed. 
XXXX XXXXXXXX XXXX XXXXXXXX again shows open status with XXXX, but closed with XXXX. It shows last date of activity as XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX again shows open status with XXXX, but closed with XXXX. Last date of activity as XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX XXXXXXXX shows open status with XXXX, but closed with XXXX. LAst date of activity is XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
XXXX XXXX XXXX is showing as a closed collection account with XXXX and XXXX but the balance continues to change. Last date of activity is XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. 
With all these inaccuracies, there is absolutely no way these bureaus are conducting fair investigations and i know i have rights as a consumer.This inaccurate information is damaging my credit and causing me to be denied credit and i've already lost 2 job opportunities becuase of this.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (GA)

In late 2019, Chase Bank has begun a habit of charging {$34.00} and returning an item, then when it is auto returned by the vendor Chase will pay the same item into overdraft causing a total of {$68.00} fees to the consumer. Whereas in the past the item was paid into overdraft with one fee at its initial presentation to the banking institution. This is now considered as a predatory behavior to the consumer. Statements are attached. Please reference XXXX XXXX and XXXX XXXX transactions.
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 — Public record information inaccurate
Company: World Acceptance Corporation (AL)

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and fraud, I have submitted police reports also saying proof of the loan fraudulently being obtained in my name and also that the repossession should be removed. I have been denied removal of account from my credit reports and refused any response as to why this decision was made
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

On XXXX XXXX XXXX I saw on my Equifax, XXXX and XXXX credit bureau accounts that I had an account that was sent in to collections. It is stated that I had an account with the XXXX XXXX XXXX XXXX which was sent into collection and the amount owed was {$2100.00}. Now I never attended the XXXX XXXX XXXX XXXX or applied to go to such a university and thus I don't owe them any money. 
I live at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and attend the XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and I will attach documents to prove this.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (WA)

As I have mentioned repeatedly to US Bank concerning this credit card that the balance and monthly payments were outrageous and the transactions leading to large balances and monthly payments were not mine. As to remain in good standing with US Bank I explained my financial hardships on numerous occasions voicing the minimum payment was near impossible to pay even though I had no memory of these transactions or how the balance could possibly be that high. I negotiated with US Bank to place me into a hardship payment program but the monthly payment never reflected the payment that was agreed upon. Each month I received a notice for a payment far higher than the financial hardship payment and ever month the payment would skyrocket to 2-3 hundred extra dollars a month and they had the nerve to think I could possibly afford it even though I claimed I didn't contribute to the high balance. 

US Bank tried to completely take advantage me and my financial situation it was nothing short of being abusive. After having enough of the abuse I explained I was no longer paying towards a balance I felt wasn't mine. 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. Dependent upon the response, I will detail any potential issues via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

Back on XX/XX/XXXX I opened a Wells Fargo checking & savings accounts. For some reason they closed my account without notifying me.. The account has a positive balance, and there is no excuse for the account to have been closed. Since this account was closed it made it almost impossible for me to qualify for an account with any other bank. So needless to say it caused me quiet a XXXX. I actually was denied an account with wells Fargo when I attempted to open a new checking account in XXXX for this very reason .....
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OR)

I have a XXXX dollar debt originally from an internet provider. It was sent to Transworld Systems, it has been harming my credit for 6 months now. The phone number for Transworld never is answered. They don't have a website and century link the alleged source of the debt can't tell me if I even owed it. I just want this to stop wrecking my credit I am happy to pay if I owe but need a method to do so. Transworld Systems seems to be a credit score destroying company not a debt collector.