davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm
Consumer complaint received 2020-08-18
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: PENNYMAC LOAN SERVICES, LLC. (GA)

I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX  is claiming that this statement is there because of PennyMac Mortgage Company. However, I have never made a late payment with PennyMac Mortgage Company since my loan was transferred to the company. They claim they investigated this matter and PennyMac claimed that this information was true. The document provided from PennyMac shows my actual payment amount in some places incorrect. All payments through PennyMac Mortgage are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to PennyMac Mortgage have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If PennyMac Mortgage is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with PennyMac nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with PennyMac Loan Sevices for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.
Consumer complaint received 2020-08-18
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. (FL)

I have filed a dispute for an account that has inaccurate missed payments being reported. The account was suspended for alleged suspicious activity that has never been proven or verified. During the investigation period new transactions could not have been made on account as it was frozen. Therefore, the notion of late payments is radical. Furthermore, after my most recent dispute on XX/XX/2020, I noticed the late payments still reflected and that the on-time or good standing period on my account was removed. This is unfair as not only the inaccurate information remains, but the accurate information that truly represents my financial responsibility was removed. The constant inaccuracies show a lack of responsible reporting, which is required by several laws. Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) most notably.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-03
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AL)

Hi, after I closed my credit card, I stopped receiving paper statements. As a result, I accidentally forgot to check when my payment was due until it had already been a couple of days. I was assessed a late fee even though I was never sent a statement.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act XXXX  accounts XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX Closed has violated my rights. 

15 u.s.c 1681 section 602 a states i have the right to privacy.

15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-03
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: WELLS FARGO & COMPANY (MD)

I have sent this request for disputing to XXXX and XXXX, no response Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This account does not belong to me. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

I am a victim of Identity Theft, this account is Fraud.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I booked a trip to XXXX, XXXX on the XXXX  website. I made three payments, the first payment was on XX/XX/2020 in the amount of {$190.00} ( BB & T checking account ). The second payment was made on XX/XX/2020 in the amount of {$430.00} ( BB & T checking account ). The third payment was made XX/XX/2020 in the amount of {$430.00} ( XXXX XXXX credit card ). Due to the Covid 19 pandemic XXXX cancelled the reservation on XX/XX/2020. I contacted BB & T and XXXX XXXX XXXX  to file a claim so that my money could be refunded. I attached the e-mail from the XXXX site stating that they cancelled the reservation due to the Covid 19 pandemic. BB & T and XXXX XXXX denied my claim and told me that I would have to dispute the claim directly with XXXX I have tried to reach XXXX via telephone ( XXXX ) and the website but neither has worked. How am I supposed to dispute something with a company that I can not contact.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NC)

I purchased a new vehicle and accepted dealer financing through Honda Financial Services. After repeatedly being thrown off their website when I tried to register for online payment, I called them and found out that an incorrect social security number was used on my account to check my credit history and apply for financing. This means that my credit was based on someone else 's credit history/score at the time of financing. Honda dismissed this as an " error '', but I know my ssn and know I completed my forms correctly. The error was Honda 's. They directed me to send a copy of my Social Security Card and initiate a correction to my file. I will do that, however, their " error '' affects the accuracy of my credit. Their " error '' may have affected my financing terms, there is no way to tell on my part. I believe this is a material deficiency in their financing systems. Other customers should be warned that this may be a problem for them that is not transparent to the consumer and is not easily detected.
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My mortgage was sold by XXXX XXXX company to Shellpoint mortgage services. I enrolled in automatic payment when this happened starting XXXX this year. Shellpoint has pulled funds from my account every month since XXXX, but has not applied the payment to my mortgage. It is going into an account called " unapplied ''. The company has not rectified the matter have many repeated attempts and now I am getting threatening mail to foreclose. They have all my funds, but have not made an attempt to correct this incorrect application of the funds.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and Credit XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I just lost a total of {$1100.00} through XXXX on XXXX XXXX I made one payment of {$100.00} as application fee to one contact through XXXX  for housing application. The man was pretending to rent a room in XXXX WA. After the {$100.00} payment, and that is was all refundable if I did not like the room, he asked me to make an additional payment for deposit and I refused. At that point he stopped answering my messages. I made the payment on contact number : XXXX. 
Then another one reached out to me on the same app. 
I made two payments of {$600.00} and {$500.00} for a total of {$1100.00} to this number as application fee and rental deposit to this person for a room in her so called house in XXXX WA through XXXX XXXX. 
He asked for more and insisted on using only XXXX, pretending that it is fully refundable. After I asked for refund because Am withdrawing my application, he stopped answering. 
I file a police report right away. 
Case # XXXX and contacted my bank to cancel the transaction but they said they are not able to do so.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IL)

On or about XX/XX/2020 I opened a business checking account with PayPal business, I sent an QR code money request to a customer for {$200.00} the customer sent that {$200.00} in addition to another {$950.00} that she owes ; PayPal received the funds and has added the {$200.00} ( minus fees ) to my available balance but has not released the {$950.00}. After a few days I tried reaching them online and the balance wasnt cleared then I tried reaching them by phone. Their phone line takes you through several steps then tells me we cant help you with this over the phone, you have to reach us on the web or PayPal business app ... then the line disconnects ... I tried this a few times as well as trying online, no help has been offered and my money is still not available.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I received an alert informing me that a {$10.00} debit card transaction to XXXX was made on XX/XX/2020 from my account but I did not make this transaction and there is no way possible that someone else used my debit card to make this transaction because at the time I received the alert I was sitting on my couch watching XXXX and my debit card was in my wallet. 

I tried contacting Chase bank to dispute the transaction but after reaching the correct department by pressing the numbers of the buttons their automated system instructed me to press I was only placed on hold again by an live agent and forced to listen to more automated messages telling me to Please remain on the line for the next customer support specialist. Once I realized that I was never going to speak with a customer service support specialist to dispute the transaction I just hung up. 

It is my belief that Chase bank is intentionally refusing to allow customers to dispute transactions and the CFPB along with the FBI needs to get involved to assure that Chase bank is not participating in fraud.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (TX)

I leased an XXXX in XXXX for 48 months. I have purchased two vehicles since then. But this old lease information keeps reappearing on my credit report. This is an old paid account. This should not report that I still am in possession of this vehicle since XXXX. Please remove the vehicle fro My report. I have not been responsible for or in possession of this car since XXXX. 
Thank you.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX account number XXXX XXXXXXXX has violated my right per fcra please delete I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists Account address is not associated with me I have no knowledge of account.
Consumer complaint received 2020-08-18
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$3100.00} XXXX XXXX {$450.00} XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX   XXXX  XXXX {$46000.00} XXXX XXXXXXXX XXXX {$100.00}
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from Heartland ECSI who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o XXXX who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with XXXX and have a file # XXXX thus far Heartland ESCI has not responded. Using the account number from them  XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan.  XXXX also confirmed that they only have XXXX and has no knowledge of Heartland ECSI and according to their records it appears that Heartland ECSI maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

Name : XXXX XXXX XXXX Involved : Santander Bank Bank Address : XXXX XXXX XXXX NY XXXX Bank Telephone : XXXX My Account was locked due to a {$25000.00} SBA Loan which I received for my XXXX. I've attempted to resolve the issue with my Bank & have my account unlocked but all my efforts have so far proven abortive. I've provided the Bank with my XXXX Registration Documentation as well as SBA Loan Documentation as of  XX/XX/2020 but Santander Bank has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Santander Bank. 

Action Taken : On XX/XX/2020 I provided XXXX XXXX Personal Banker/ Small Business Specialist with my XXXX   Registration Documentation as well as SBA Loan Documentation but Santander Bank has vehemently refused to unlock my account.