davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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. (GA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2020-07-12
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. (MI)

On XX/XX/XXXX, we purchased a 5 Day XXXX XXXX package through Costco Travel using our Citibank Costco Visa credit card for {$1700.00}. At that same time three other members of our family ( 2 sisters and one brother ) purchased the same cruise package using Citibank Visa credit cards. 

On XX/XX/XXXX, all four parties cancelled the cruise packages due to COVID-19 - at the strong recommendation of the US State Dept. At that time, Costco Travel indicated that our only options were to take a cruise credit or get on the ship. No full refunds were being given. 

On XX/XX/XXXX, we initiated a dispute with Citibank Visa for the cruise charge and subsequently my siblings disputed their charges using the same rationale/documentation. 

On XX/XX/XXXX, XXXX XXXX XXXX cancelled our scheduled 5 Day Cruise due to COVID-19. 

On XX/XX/XXXX, one sister and brother-in-law were notified that their dispute was resolved in their favor and their conditional credit was made permanent. 
On XX/XX/XXXX, we were notified that our dispute was resolved in favor of the merchant and our conditional credit was rescinded. 
On XX/XX/XXXX, my brother and sister-in-law ( who had paid for an additional sister ) were notified that their disputes were resolved in their favor and their conditional credit was made permanent. 

Clearly, the Citibank dispute team is NOT treating everyone equally! 
This UNFAIR/UNEQUAL TREATMENT is unethical and unjust! We have called Citibank to resolve this on numerous occasions ( spoken to at least 4 supervisors in the Citibank Dispute Center ). No one from Citibank has offered an explanation as to why three of the four siblings received full refunds ( one before us and then two after us ) yet we are being denied! Why are we being singled out in this matter? We fully expect the same resolution afforded to my 3 siblings!

I have attached two letters from Citibank ; one indicating the full refund to my sister on XX/XX/XXXX and one indicating no refund to us on XX/XX/XXXX.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (TX)

Financed solar panels and extra $ to reroof and XXXX, after panels were installed XXXXXXXX XXXX XXXX  XXXX tx kept the remaining money and have not done any other work thats specified on the contract. Goodleap ( lender ) is not assisting in getting contractor to respond or complete work or cut check so I can complete the work myself with another contractor.
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

XXXX credit card company, offered and offers a credit protection program, in the event, of loss of job, death, military diploment, and or suffer from a XXXX which results in permanent XXXX. 

Between the dates of XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that took time to finally diagnoses. Finally, in between the aftermath of covid, I was XXXX  and officially diagnosed XX/XX/. I am currently XXXX. and they are now sending a third party not the original creditor, but the third party randomly showed up at my door unannounced to say they have filed a judgement against me in my local county. Never was I informed or made aware, and due to my XXXX XXXX have not had the chance to provide the oriognal creditor XXXX with the information they need to process for my XXXX as the reason for late payments. I paid a fee monthly in addition to the normal payments for this special program they advertised that would help take care of any balances in the event of any of the above unforeseen circumstances. but, instead of them honoring this, they have now sent people to my home and threatening a law suit by an unknown third party to which I don't know and now unsure of what to do next.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-01
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. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I have been in communication with Community Loan servicing trying to get the servicing department to correct the escrow amounts. I have documented the discrepancies and they continue to overlook and make correct justifications. They have increased my monthly payment by increasing the escrow amounts due to the point where it may create a hardship. I have shared with them the documentation of many of the incorrect amounts with no avail. They sent an escrow refund check of $ XXXX see documentation for the insurance and real estate taxes, which has caused the escrow to be off balance as well as pay the professional liability insurance of {$2000.00} and the property insurance, $ XXXX a total of $ XXXX-see page XXXX of the analysis dated XX/XX/21 as well as page XXXXthe letter generated by XXXX XXXX . On XXXX, I received communication stating my loan has been transferred- see page XXXX. The lender placed insurance amount is also overstated. The annual premium they told me is XXXX. They have it listed monthly on the analysis dated XXXX, see page XXXX. All I asked was to correct the escrows. Now I have statements saying I am late- see pages 2 and 6.
Consumer complaint received 2021-07-01
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: SLM CORPORATION (NY)

On XX/XX/XXXX I attempted to pay off my private Sallie Mae loan. I have been struggling with payments through covid but came into money and this was the first thing I attempted to pay. I have an old email on file ( and this loan is still in my maiden name from almost 10 years ago ) I received a confirmation on the webpage that the payment had processed. They emailed me saying it actually was declined. My account had way more in it, so no reason for my bank to decline. I check my old college email about once per month so assuming I was ok I did not check again. 

When I checked my old email on XX/XX/XXXX I found something saying I would be in default today XXXX. I immediately called them right when they opened to pay again but was told " nothing they could do. '' And that I had to go through collections. They harassed me about not checking my email sooner and said it was final and I would have to take the hit on my credit. I was told that I had " accessed my account multiple times through XXXX since the payment '' THIS IS NOT TRUE. I was told " maybe your co signer accessed it. She has XXXX and is in a home so .... Also NOT TRUE. I began to get upset at this blatant inaccuracy and tried to explain but I was told I am simply wrong and there is nothing I can do. My account is currently locked and I can't access anything without a password reset or speaking to a representative. So how could I have checked? 

All I want to do is pay this loan off which has been ruining my life since college but they refuse to help me unless I go through collections which will ruin my credit.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I made a payment to my Wells Fargo SECURED credit card in the amount of {$5000.00} on XX/XX/2021, posted on XX/XX/2021 from my XXXX XXXX XXXX account. 
The payment was taken from my account in XXXX on XX/XX/2021. Then showed as posted on my XXXX account on XX/XX/2021 I have paid {$17000.00} in 6 payments to this Wells Fargo Credit Card since XX/XX/2021 using the same linked account. Now, with a {$5000.00} payment to pay the card in full, Wells has put a hold on my payment for 4 business days even after having taken the money from my account and having had a valid history with the same linked checking account from XXXX, used in 6 previous transactions over the last 5 months with NO returns. They are using my fund to secure interest and not paying me or letting me use the funds on the credit card.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX XXXX XXXX {$7300.00}
Consumer complaint received 2021-07-01
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)

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have been living in the same house for more than 5 years. this collection is from a condominium I have never lived in before. my credit has many positive on-time paid accounts so this collection from XXXX XXXX XXXX / XXXX  XXXX XXXX is really affecting me. I am trying to get a new car and also apply for other things and this has been affecting me majorly. please remove this inaccurate account from my credit report and update it. I have contacted all three bureaus to let them know about this devastating situation. thank you for your time.
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I had Involuntary Unemployment insurance was approved 10 months XXXX ( my monthly payment ) claim form sent every month with GDOL  print out of claims and date paid as proof of unemployment emailed every month ( can prove it ). Onemain Financial owns the XXXX XXXX who policy was underwritten with. They paid claim once every 2-3 months causing more interest less principal and payments I had to make in between cause they were late were kept as interest ( XXXX ) no principal and it was their fault conveniently owning both company 's is a conflict of interest. I have all the paper work emails the statements. When confronted with their scam they refused to fix this and this was during covid 19 and reason for my job loss. They are charging me 35 % interest on this loan, the credit insurance and 1099 me for the late payments that went to their interest bearing loan only for all the money they paid on claim. So not only did they make money on insurance payments, the premium I paid for insurance, I had to also pay taxes on it. They have had 706 complaints most during covid 19 and continue with bad business practices and stealing money from consumers.
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. (TX)

I started a dispute. XXXX said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AZ)

On XX/XX/2021, Diversified Adjustment Service Inc sent me a letter by mail stating they were attempting to collect a debt and that I had 30 days to respond. On XX/XX/2021, I responded to Diversified Adjustment Service Inc via a letter asking to see the information that they said I owe. I never received the information I asked for regarding this debt that they say I owe. Then on XX/XX/2021, I got an alert from the credit bureau showing that Diversified Adjustment Service Inc put a collection on my account in the amount of {$600.00} for XXXX. I do not have a XXXX account and have never had one. Diversified Adjustment Service Inc reported this unknown, now known, debt to the credit bureaus before the 30 days that they said I had to verify the debt. Their unfair action resulted in my good credit score being lowered. I immediately called XXXX and told a manager what happened and it turned out the debt was not mine but my brothers who happened to have the same last name as mine. My brother paid this debt with XXXX some time ago and I want this inaccurate collection removed from my credit report. I feel that this collection agency is not fair nor right in how they handled this situation and they do not seem to have respect for their own business policies.
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: ONLINE Information Services, Inc. (NC)

Hello so on Numerous dates Ive sent in debt validation letters for this account that has yet to be sent as properly validated. Each bureau has a different spelling of this company for some reason as well, So that alone is a red flag. Also Their rude customer service makes it that much more difficult to resolve any issue over the phone. I want this investigated & erased from all XXXX bureaus.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (FL)

I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.
Consumer complaint received 2021-06-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-06-30
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: Bread Financial Holdings, Inc. (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft COMENITY BANKXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft COMENITY BANK/XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine.