davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with XXXX act, violating reasonable accommodations for those whom are XXXX  XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX  XXXX dollars between my XXXX XXXX. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

I made a reservation at XXXX  XXXX  on XX/XX/2021 for {$350.00} that was to hold the reservation. The {$350.00} would be applied toward the bill ( I have the message to prove this ). The {$350.00} was not applied towards my bill. I used my credit card twice at XXXX  XXXX  on XX/XX/2021 ; one for the amount of {$640.00} and again for the amount of {$370.00}. The {$350.00} should have been applied to either of those transactions but it was not. When I asked the server about it, I was told the {$350.00} would be returned to my credit card instead. The funds were never returned. I have tried contacting XXXX XXXX several times but I get no response. A dispute for {$350.00} was submitted to Navy Federal Credit Union. The dispute was closed by Navy Federal Credit Union without returning the funds. I have all the documentation to prove the {$350.00} should have been applied to my bill but wasn't and I am not able to reach XXXX XXXX.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (GA)

I had a mortgage with LoanCare company. I paid off the full mortgage amount at the end of XX/XX/2021, however an extra monthly payment for {$1200.00} went thru automatically from bank. LoanCare got the check from my bank and they cashed it ( attached documentation ) however as the account was closed they didn't deposit the money into the escrow account so the money got " lost ''. For over 5 months I'm being trying to get the {$1200.00} refunded with no luck, I have provided proof that the they have cashed the check and received the money, I have escalated this to many of their " management '' team and they just said " we sent you a check '' but no check received. I was asked to talk with XXXX XXXX ( Office of the customer ). the Phone number provided ( XXXX XXXX Ext XXXX ) most of the time get a message to call during regular office hours ( which are the ones I have been calling ). The extension number provided ( XXXX ) is invalid. For couple of times left a message to be contacted back however no one is calling. 
In my view, a financial institution loosing the money is against any financial regulations. The account number is XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

File a dispute with XXXX, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX XXXX  did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.
Consumer complaint received 2021-07-27
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. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and XXXX has completed ignored my requests.
Consumer complaint received 2021-08-02
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: GOLDMAN SACHS BANK USA (VA)

On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.

Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.

In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees. 

Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (TX)

In XX/XX/2021 I advised the BBVA bank rep that I wanted to close my account. I had opened an account at another bank. 

At the time i had approximately XXXX left in the account and i told them they could have the money. The rep said that the account could not be closed until I withdrew the pending amount XXXX. Once the account was XXXX  'd it would then be closed. He 100 % assured me that my account would have a notation about my conversation and desire to close the account. But the account never closed and apparently fee 's were being added to a XXXX  ' account by the bank, making the balance from XXXX  to a negative. Further, I continued getting a variety of emails from this horrible bank. So i filed a complaint with the XXXX. But nothing resulted from it. 


Today, at XXXX centralI called ph # XXXX and the service rep was highly argumentative. It reminded me of the old days when unscrupulous credit companies and bill collectors were arguementative, threatening and it was there way or no way. 

The bbva woman also began lying to me, citing that my account was credited for XXXX and 100 % refused to acknowledge that my account was XXXX  'd out and there was a debit made for the approx XXXX. 


I told her that i knew nothing about any credits that she claims the last service rep entered into my account. Why would the last service rep i spoke to that knew i had XXXX left in my account and knew i wanted the account closed, give me some kind of credit? 

She continued to argue with me like a child and 100 % refused to close my account. I told her i would be filing this complaint and hung up on her as she was relentlessly yapping and refusing to give me opportunity to argue back. 


What kind of customer service is this? Why lie about giving me a courtesy credit when I had direct deposit with no service fee 's? Why give me a credit, when the took their monthly service fee 's from my account after I transferred my direct deposit? I didnt argue or compliant about those fee 's they took out of my account. 

I've done my due diligence with getting the account closed by spending time speaking to agents. There monthly fee 's were paid without argument during the final months that my direct deposit was going to a different bank. I XXXX  'd the account. And all i get back for my due-diligence is XXXX. from this bank and old fashion criminality involving my money!!!
Consumer complaint received 2021-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

Last month i sent out some documents to XXXX, Equifax and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (UT)

Prestige Financial Services is reporting a few lates on my credit file. The lates are from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. I keep having this issue with your online system and i am not notified about the payment not going through until the account is marked late on my credit file. I need these lates removed from my credit file.
Consumer complaint received 2023-08-21
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. (TN)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MD)

Care credit pulled my credit report without my consent. I pay my bill every month, and had a XXXX credit limit with XXXX available credit. After they pulled my credit report without my consent, they decided to lower my credit limit.
Consumer complaint received 2021-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Lenders Investment Trading Corp (FL)

In XXXX XXXXI tried to refinance my home with RP Funding, I talked and email with XXXX XXXX. The deal didn't go through and he told me that I would get the {$500.00} that I paid for the appraisal back. After that, the communication stopped, I call XXXX, the company, one time one employee tried to transfer the call to XXXX 's supervisor with no luck, I sent emails and call last time when somebody said that a manager would be calling me. I still don't have my XXXX back and nobody get in contact with me.
Consumer complaint received 2021-07-27
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: Mercedes Benz Financial Services (NY)

Mercedes - Benz Financial Services Filed with the credit bureau that I was late on a payment in XX/XX/XXXX. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed Mercedes via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through Mercedes-Benz Financial. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are XXXX  XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX  with no desription of the reasoning. Image Provided.
Consumer complaint received 2021-07-27
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: FactorTrust, Inc. (FL)

In 2020 during the start of Covid I lost my wallet and it took about 3 days before I received it back. It somehow appeared back at the location at the counter. I did not file a complaint because I ended up finding it. Ever since then I kept seeing random inquiries populate on my credit report. Ive tried to dispute them but Im not getting any feedback or help. This has been so stressful as its damaging my credit. If you guys need the accounts that I do not recognize I can list them.
Consumer complaint received 2021-07-27
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. (TX)

I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
Experian Shows XXXX  Card entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX XXXX  Shows XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (AZ)

I XXXX XXXX, formerly XXXX XXXX am a victim of a fraudulent RISC from a car dealership. I was undergoing XXXX XXXX treatment and received a notice from court that I was being sued. I responded to the lawsuit saying I never purchased the vehicle. I was waiting for a court date. I never recd. service to appear in court but then rec 'd. a default judgement. I was still undergoing XXXX XXXX treatment when I rec 'd a notice of garnishment XX/XX/XXXX. I was sued by Ford Motor Credit for a car that was never purchased from XXXX XXXX in XXXX, XXXX. Ford repossessed the vehicle from whoever had it and sold the vehicle sueing me for the remainder of the balance owed. I visited XXXX XXXX XX/XX/XXXX to look at SUV 's and submitted credit peperwork but ended up leasing a new XXXX around the same day at a XXXX dealership. 2 months later I moved to XXXX. The sales person and internet sales manager who are one and the same are the only individuals on the contract other than my forged signature. The contract was a salespersons dream come true with {$6700.00} in Ford extended warranties on a XXXX XXXX XXXX  with XXXX miles on it, if I understand Ford ESP contracts you are not able to purchase a ESP on a vehicle the has gone past the 3/36 warranty. The {$1500.00} down payment was deferred. I was never provided the anti packing paperwork as part of the XXXX  Car Buyers Bill of Rights listing all of the optional warranties in the lawsuit paperwork, insurance was never obtained for the vehicle that I am aware of yet the vehicle was allowed to leave the dealership ... ..the " sale '' took place in XXXX with the lawsuit occuring in XXXX ... .the salesperson has disappeared, we can not find him anywhere on the internet. He had an extensive felony criminal history prior to becoming a sales manager for XXXX XXXX. I can only assume they figured out what he was doing and terminated him. I could never find him working for any other car dealership after this. He subsequently opened his own medical billing company out of what appears to have been or is his home but the number is disconnected and I can can not find any other information about him on the internet. If in fact he was terminated for dealership fraud Ford then decided to pursue a bogus lawsuit against my fiancee ....
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes.