davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

My Experian XXXX XXXX credit report shows an outstanding late payment that hurts my credit score. However, every creditor on that credit report, both open and closed accounts, show that I have an " Exceptional Payment History. '' Experian will address late-payment reports only if I tell them which creditor to bother. In this case, there is no report. Their telephone agents merely say they can't help me. I am frustrated because I have paid nothing late for more than ten years, and do not deserve this negative mark.
Consumer complaint received 2018-02-28
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. (CA)

XXXX, XXXX and Transunion all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (AL)

Ive tried reaching out to Wells Fargo about the fees and interest related to the loan and all I got was oh thats the interest when I looked at the payment I noticed that any of the payment that was made nothing was going to the loan itself so much of the interest was going to the back end of the loan. Ill never be able to pay it off and that wasnt something that was Initially stated at the beginning of the loan theres so many fees and so many things that are showing at the back and that wasnt present at the beginning when I purchased a vehicle with Wells Fargo its very hard to get any kind of payment plans if something goes wrong theyre not willing to help at all
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have reached out to Equifax since XX/XX/2021. I have submitted my Identity Theft report 7 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place. This company has tried to delay and stall the process by asking me to resend verification documents of my identity. I have sent a copy of my US Passport, Social Security card and a current utility bill with every dispute.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

On XXXX XXXX, 2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. There were two charges from XX/XX/XXXX, one for {$54.00} and one for {$9.00}. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. 

I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

I have now filed two disputes with my bank regarding the situation. They denied the first dispute, saying that they needed additional proof. I called and spoke with someone who resubmitted my dispute and emailed the requested documentation. They have denied my claim for the second time, citing that I did not return the food or let the food be picked up for return and that there was no explanation as to why the food was incorrect. I fully detailed what the problem was both in my phone calls and via the email that was sent to key bank. I also included supporting photos, showing that the company was not willing to do anything to correct the situation and also showing the incorrect food. I'm not sure what key Bank is talking about when they say that supporting documentation was not provided, because I was very clear on the issues and again, supplied photos corroborating my story.
Consumer complaint received 2021-09-27
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: Porania, LLC (NY)

I have these accounts and i want them to be removed from my credit. 

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

2. Identity Theft Chapter XXXX bankruptcy discharged Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (IN)

I do not authorize any company/ persons to report anything in my name. I do not give the consent for any of my information to be shared. I do not want any of my rental history, credit history, debt history, felony record and etc to be shared. No company/ persons have my consent. I want to opt out.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: N26 Inc. (DE)

I tried closing my account with N26 Bank and they asked me in the Chat method for all my information AND SSN. Nobody is supposed to give their SSN around willy-nilly. Anyway, even after giving them the option to call/text me at the cellphone listed, they refused and first the chat-rep ( 'XXXX ' ) dropped off even after I gave my SSN. When I got back on again with her, she closed my account.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (AZ)

XX/XX/2018 - Debt Collection Company from XXXX, IL called me about a debt that is beyond the statute of limitations for the time that I can be contacted. Their phone number is XXXX. ARA is the name of the company. XXXX XXXX XXXX is the name of the company. Please do something about this NOW!
Consumer complaint received 2018-02-28
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: Experian Information Solutions Inc. (FL)

I wrote to Experian, XXXX and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX I contacted Hyundai regarding getting the title and bill of sales after I was told by XXXX secretary of State that I needed the title/bill of sale before it could be transferred to me. The lease was paid off in XX/XX/XXXX.. On XX/XX/XXXX I spoke to a customer. rep who said that the title dept only worked on titles 2 days a week. They sent an e-mail, which I never received. In early XX/XX/XXXX I received a notorized disclaimer regarding the car but no title or bill of sale. I have contacted the company by mail as of XX/XX/XXXX.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I just receive a notification of collection on my name which Im not aware of, I own a house which I live in it for about 4 years now, and I have never made any deal or contract with this apartments I would love for them to show me copies of prove of my social, driver license and my signature on their papers which those things are required to get someone in collection because I know they shouldnt have because I wasnt the one that do this any recordings about me entering to their office to do this I would like them to provide just as the same way they stating this is my account I want prove of that
Consumer complaint received 2021-09-27
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. (NY)

To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my experian, XXXX and XXXX. Which again I did not apply for any new cards with XXXX XXXX.
Consumer complaint received 2021-09-27
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. (NY)

To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX, exquifax and XXXX. Which again I did not apply for any new cards with XXXX  XXXX.
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have filed a dispute with XXXX and TransUnion in regards to incorrect items on my credit report. XXXX has violated my rights to privacy and refuse to submit Method of Verification for Bankrupcties on my credit report which was submitted to them on XXXX XXXX, 2021 along with documentation from Bankruptcy Court that they do NOT verify information to bureaus. Its been well over 30 days and I haven't received any results.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (FL)

I have faxed to XXXX information from my bank account indicating that the debt was settled and to the bank saying that the debt was still owed ; despite the fact that my banking information was received. For the last 4 years it has been taken off, then put back on hurting my credit score. I have finally sent to the reporting company NCA my proof. They are doing something about it, but it has already for years now, ruined my credit score.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I open wells Fargo account on XXXX for there bonus they are offering of XXXX terms were recieve XXXX when open account with direct deposit of XXXX or more which I've completed all my employers deposit I have ooma XXXX and XXXX I work for they deposit every week so I called too inquire about bonus offer code XXXX they said I didn't qualify even though I reached the XXXX deposit they told me the way my employers were depositing didn't count toward promotion offers I let them know I'll be reaching out too cfbp they told me good luck.
Consumer complaint received 2022-09-14
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: FIRST NATIONAL BANK OF OMAHA (CA)

I logged on to my XXXX credit report and noticed an Inquiry from FNB OMAHA dated XX/XX/2022. 

I do not recognize this inquiry/ company. I did not authorize FNBXXXX OMAHA to pull my XXXX credit report, resulting in an inquiry. 

Please remove this inquiry ASAP. 

Thank you.
Consumer complaint received 2022-09-14
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)

Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!
Consumer complaint received 2022-12-24
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following 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 2021-09-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2021 XXXX XXXX XXXX came to my abode location and attempted to seize my property without my permission and without court order or judgement in which is theft. This is a violation of my federally protected consumer rights. It is unlawful and theft for my property to be seized by someone without my permission. XXXX XXXX XXXX did not have my permission to contact me. ALLY FINANCIAL sent them to seize my property over an alleged debt that was already paid for. My car was already paid for through a consumer credit transaction. I put a downpayment of {$4000.00} which is illegal in a credit transaction under the provisions of 15 USC 1605 ( a ). Also a finance charge was in connection with the consumer credit transaction in which is the SUM of all charges in which I do not owe any monetary amount every month. ALLY FINANCIAL has committed fraud in this alleged contract without disclosing my right to rescission and the provisions under Truth in Lending Act. ALLY FINANCIAL and XXXX XXXX XXXX  has violated my federally protected consumer rights through abuse and oppression. This is prohibited by federal law.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (NY)

I opened a Macy 's credit card on XXXX  XX/XX/XXXX in order to receive 25 % at the time of purchase. I was under the impression by the sales associate that after the discount was applied that I was paid in full. It turns out I had {$5.00} of remaining balance on the card. My address changed because I moved and did not receive any statements, emails, or phone calls from Macy 's telling me that I still had a balance due. I eventually found out about this when I went to the post office to find Macy 's overdue account statements waiting for me. Macy 's put my {$5.00} into collections without contacting me beforehand by phone or email. Now my credit score has dropped by 80 points due to a {$5.00} charge that I was not informed about.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

My personal information was compromised and someone fraudulently opened an account with Chime. Since I dont know the account number I can not access live support, and messages sent to their support email address go unanswered. 
The company touts 24/7 support but actually offers support to members only between the hours of XXXX and XXXX, Monday through Friday, and a short while on Saturdays. 

Scammers are aware and taking advantage of Chimes false advertising, and the company is ill-equipped to handle such issues.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (LA)

On XXXX XXXX my bill for {$50.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment.I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

On XXXX  XX/XX/XXXX oportun was added to my current credit report on XXXX and XXXX for the amount of {$2200.00}. I have made all of my payments for XXXX and XXXX on time and the balance still hasnt been updated on XXXX or XXXX. I contacted Oportun on last week and I was informed that I need to wait 3-5 business days to get a resolution from their internal team. I have an issue with this because the continued high balance reporting as if I havent made any payments affects my debt to income ratio. On XXXXXX/XX/XXXX XXXX was updated to {$2100.00} however, the balance showing on my account for Oportun {$2000.00}. This company is not reporting accurate information to the credit bureaus as referenced on their website they accurately report monthly to the bureaus and this is not being done.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.