davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

This company has been reporting a different balance for almost 7 years on each credit bureau. This account has been removed from XXXX within the last 2 weeks but has not been removed from XXXX. I was unable to submit the screenshots online at XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

U.S. BANK HOME MORTGAGE is trying to overcharge me, SCAM ME again and again by sending me letters again and again even though I made my first and most recent mortgage payment on time on XX/XX/2016. I am being repeatedly harassed by U.S. BANK HOME MORTGAGE with letters that says I paid only {$190.00} which is a total lie. MY monthly bill is {$810.00} and I paid 5 payments of {$190.00} and it was received by them on XXXX XXXX. In my bill for XXXX, it clearly shows I paid more than the monthly due and I have attached it with this complaint. I have also attached one of the several letters they sent me that says I did n't pay my recent mortgage bill in full. I actually called US bank 2 weeks ago and complained to the agent about their harassing letters that are full of lies, the agent on phone told me yes they received my recent bill on time and that the letters they sent me were in error. Yet I still keep receiving these letters that still says I should make my monthly payment by now and threats about being reported credit bureau agencies for late or missed payment. 

I want US bank to look at my mortgage account and correct any errors and contact me to apologize for all the harassing letters and the attempted scams. In the attachments I have sent with this complaint, you will see 1 letter that proves I made my XXXX payment on time and paid more than the due, you will see 2 letters that says I did n't make full payment and threatens to report me to credit bureau agencies.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CO)

I have 4 accounts ( three checking and one money market ) with BBVA ( now PNC ) and I have no access to these since Monday XX/XX/21. I physically went to the branch on XX/XX/21 and the teller was unable to give me the routing and account numbers due to limitations with the system. She was great but her hands were tied. I am able to login but my accounts are not visible, nor am I am able to complete any financial transactions. 
I have in writing that I would be supplied with these account numbers prior to the merger but nothing was received. 
I hope PNC is heavily fined for this gross negligence.
Consumer complaint received 2020-03-29
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. (TN)

Reporting inaccurate information on my report they are getting information from a third party vendor they did not verify account they keep saying they verified it as being accurate failed verify physical verification or to tell me what is the person name who verified the account how did they verify my account I contacted the original source and they provided to me they in fact do not report to credit bureaus third party vendor is inaccurate
Consumer complaint received 2020-03-29
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. (NJ)

i submitted a dispute and the credit reporting agency said they investigated with a third part witch they could not have because I have a security freeze and have documents to prove it and the court doesn't not report to credit agency.
Consumer complaint received 2021-10-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (MN)

I am guessing this is either a fraud or Its a paid debt. They said it is something being held after my social security number and That to have to submit my document at court. They also refused to send me documentation to my new address. The woman was very rude and was using my address from XXXX. She also claimed I took out the loan XXXX which may have been possible that is when i had My last job before I filled for XXXX.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX, MD and was financed through Prestige ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) in the amount of {$27000.00} when the car was 4 years old. XX/XX/XXXX I started having major mechanical troubles spending close to {$3000.00} to repair. After having all of the repairs done the car would still cut off while driving so I decided to try to trade the car in XX/XX/XXXX. When I went to the XXXX dealer the finance manager who assisted me told me that the car wasn't even worth {$5000.00} and reviewed my payments for the car and stated as of XX/XX/XXXX I have made over {$30000.00} in payments and with my 72 month loan the car should be paid off or close to being paid off. At that time my credit report indicated that I had already made 65 payments and documented once in XXXX that I had a payment over 30 days late. My payments were supposed to be {$590.00} a month. However, my account manager XXXX XXXX allowed me to make payments in the amount of {$540.00} a month plus a {$10.00} processing fee to bring my payments to {$550.00} a month. The finance manager who was helping get into the new car stated that I still had over a {$14000.00} balance which is an indication of predatory lending. He advised me that it would be in my best interest to request all of my original loan documents along with a break down of where the payments are going because he felt my interest rate had to be over 24 % which means the payments are going mostly to the bank and not the loan. He indicated that I would actually never really pay off the loan. I went ahead and purchased the new car because I needed a reliable car for my kids and I. On XX/XX/XXXX I sent a letter to prestige auto requesting they pick up the XXXX XXXX ( voluntary repo ), send me the original loan documents, and a break down of payments made so far so I can have my loan investigated. I also, asked if we could come up with a FAIR settlement because the car wasn't worth {$14000.00} and I had already paid over {$30000.00}. The finance manager stated with his calculations even with late payments and deferments I still would not owe over {$14000.00}. My 1st request was sent on XX/XX/XXXX to no avail. They finally picked up the car on XX/XX/XXXX. I sent a 2nd request on XX/XX/XXXX to follow up on my document request but to no avail. I sent both request via priority mail so I do have confirmation that both letters were delivered. I mailed everything to the P.O box address that they have listed for written correspondence. 

I requested everything sent through the mail. I do have standing cease and desist request placed on my file because they have harassing collection practices.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (FL)

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EQUIFAX and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX XXXX Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Hello, I regret having to communicate with Shellpoint through this formal process however, I fear it is the only way to get a response from them. 
I have contacted Shellpoint by phone the XXXX of XXXX, the XXXX of XXXX and via the online portal submitting COVID-19 related financial hardships. I was told I would be contacted back and have not been. 
My husband who works at XXXX XXXX  in XXXX XXXX and also as a XXXX  XXXX  for XXXX XXXX XXXX  has been furloughed. To compound the issue we had been using savings and credit cards from XXXX when he had XXXX XXXX and was not able to XXXX. 
He was to go back to work XXXX, however, this has now not happened due to Coronavirus. We have no idea when he will be allowed to return to work. 
Additionally, we receive 2-3k per month renting our house as a vacation rental which has now been eliminated due to travel restrictions and our county law putting in place restrictions on short term vacation rentals. 
I had already had issues paying the very high interest mortgage since XXXX when he had his XXXX  XXXX, now we need to have at least two months of delayed payments in order to stay afloat. 

I dont know who else to contact to get a response. We need help and we cant afford to pay a large lump sum in 2 months time. 
Please contact us with what we can do
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Good Afternoon, I signed up for a promotional offer or a Citi Gold checking account from Citi Bank for XXXX XXXX XXXX Miles. I met all the terms of the promotional offer which was confirmed through secure messaging on Citi 's website. It was confirmed I met the terms through 2 different representatives in 2 different secure messages. All along I have been paying $ XXXX monthly fee in the hopes the XXXX XXXX miles would post to my account as advertised. This has cost me additional money, with no promotional reward to offset these fees.
Consumer complaint received 2016-11-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

I was overdraft XXXX at XXXX $ via PNC for a bill that their website claims is paid. They defaulted my bill pay to an account that was empty but attached to XXXX with XXXX $ in it. They have been pulling slimy maneuvers like this for far too long with me, and I 've had it. I just had to put XXXX $ in an account to cover a bill that was originally XXXX XXXX They tacked on an additional XXXX $ in fees because they bounced the payment from my account XXXX. The thing that tops this cake is that i spoke with someone on the XXXX with PNC and the last thing she told me was that it was taken care of and i would be reimbursed ; that was a 20min conversation. Today i spoke with someone, and that was another 30 min of my day, just to have her tell me that someone would be in touch within 3 business days. 

Just a month ago I lost my wallet, had to put money in my account so i would n't overdraft, they charged my account XXXX for a card on the spot, without telling me! Just charged my account. So i had to pay XXXX, to use the atm, so they could not charge me XXXX $ overnight for a XXXX $ discrepancy. All because they charge me XXXX $ overtime I use a teller. 

Its a travesty.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This account ending XXXX from capital one is fraudulent stolen my identity.. the bank closed the case and say the account is belong to me.. i sumit a ftc and a police report to capital one for reivestigation..and say everything is closed. The amount is XXXX  late fee and interes now is more because late fee this month.. the account was open on XXXX XXXX..they told me send the card to my old address.. and i move out XXXX XXXXXXXXnever have the card and never used the card
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax and XXXX  verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a XXXX XXXX, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2021-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-10-15
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. (SC)

MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.
Consumer complaint received 2020-04-09
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: HCFS Healthcare Financial Services of TeamHealth (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau XXXXesponsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (TX)

This company called and disclosed information to my sister in law, who has my wife 's old phone line ( my sister was able to disclose some information about me ). Upon informing this company of this mistake and requesting that they no longer contact my sister in law, they agreed. However, they have contacted her again, several times.
Consumer complaint received 2024-03-18
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. (MD)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.