davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Around XXXX XXXX, XXXX XXXX illegally repossessed XXXX XXXX XXXX  Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment. 

After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted XXXX XXXX about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX XXXX  VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account. 

When I made all the disputes, I made it clear to XXXX XXXX that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX   representative over the phone. XXXX even confirmed to me that the amounts were being paid to XXXX XXXX by them on my behalf every time a payment is made through my XXXX XXXX  account. 

For the record, both these accounts were on automatic billing and payment directly with XXXX XXXX. I never knew that XXXX XXXX took me off of the auto pay around XX/XX/XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize. 

Around XX/XX/XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable XXXX XXXX 's online payment system is, I decided to start paying them directly from my XXXX XXXX  account. 

Around XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research. 

Around XX/XX/XXXX, I spoke with XXXX and XXXX of XXXX XXXX - I was told that I would be receiving a letter from XXXX XXXX indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report. 

Today, XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that Account # XXXX is still showing the 30-day late. 


Records will show that I always pay my XXXX leases on time except for the month that their system abruptly and without notice stopped processing my auto pay. 

Records will also show that I always pay these 2 accounts timely and responsibly. 

Records will also show that I always pay these 2 accounts AT THE SAME TIME! 

Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX? 

Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit. 

Please see attached documents for reference.
Consumer complaint received 2021-08-02
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. (TN)

XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on file.
Consumer complaint received 2019-02-08
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. (MO)

Credit Bureaus reporting inaccurate information on accounts. Disputed these items before but still have no accurate verification of the information that's being reported on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-12-17
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: SECURITY FINANCE CORP (TX)

Canyon Fin XXXX  XXXX, TX XXXX This company keeps making hard credit inquiries on my credit without my permission. They have made 3 hard inquiries since XXXX without my permission. I have asked them to stop over the phone, and the woman 's reply was that they don't have to, she then hung up on me. The dates are XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have not given them permission to do this or to continue to do this.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The above-mentioned account was furnished without my written instructions.
Consumer complaint received 2019-12-17
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

I engaged Amerisave Mortgage, loan originator XXXX XXXX, in discussion about a home improvement loan to complete window and siding renovation to my home. MrXXXX XXXX guided me through the process of collecting various documents and disclosures and the need for an appraisal. I clearly made Mr. XXXX aware that this was to fund home improvements and NOT refinance an existing mortgage. Following an appraisal that Amerisave required by a Amerisave owned appraiser, I was told that the very improvements and repairs that I was looking for the loan to fund had to be made prior to loan closing ; which would negate my need for the loan in the first place. I was later told by sales mgr. XXXX XXXX ( sp? ), that Amerisave DOES NOT make home improvement loans in any way and only do refinances of existing mortgages of which I have none and that Mr. XXXX clearly knew all along despite getting numerous approvals from his manager. Mr. XXXX knowingly misrepresented their loan product. Their only 'resolution ' was to refund my appraisal cost.
Consumer complaint received 2021-08-02
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: Checkr, Inc (MI)

This company Checkr, by way of fraud, stole my information and sold it to an employer without my consent or knowledge. They then admitted to the fraud by sending me a mailed/emailed copy of them furnishing my information. 

This has prevented me employment for the past 3 years.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Loancare LLC holds my mortgage for Condo in XXXX XXXX, NC. Every year I have to provide proof of Flood Insurance ( Flood Insurance is obtained by our Owner 's association & renewed yearly ). This year I provided proof of Insurance on XX/XX/XXXX & then received a letter dated XX/XX/XXXX saying they ( Loancare ) would charge me {$190.00} for the lapse of Insurance from XX/XX/XXXX to XX/XX/XXXX - my proof of Insurance clearly states ( in several places ) that the insurance is effective from XX/XX/XXXX to XX/XX/XXXX. 

I feel this is a scam by Loancare to charge Mortgage Holders with additional fees ( probably the elderly who would not fight back against such charges ). 

Please investigate - I have attempted to contact but only get a series of pre-recorded messages. 

Thank you, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the XXXX  and Transunion XX/XX/XXXX and XX/XX/XXXX. Both XXXX and Transunion failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Although I have requested this information be investigated on numerous occasions the status of the last date updated with XXXX  was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. XXXX  is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I am a identity theft victim due to an XXXX credit breech. This mobile account was a result of identity theft it is unauthorized XXXX is the original creditor for this fraudulent account balance {$2100.00}.
Consumer complaint received 2022-11-11
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-02
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: ALLY FINANCIAL INC. (PA)

I recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my profound disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As a loyal customer, I expect a swift and thorough resolution to any issues pertaining to fraudulent activity on my account. 

It is deeply concerning that despite your assurances, the fraudulent items have not been effectively removed from my account. This not only reflects poorly on your company 's ability to safeguard its customers ' accounts but also exposes me to continued risk and inconvenience. 

I insist that immediate action be taken to rectify this situation, including conducting a comprehensive investigation into how these fraudulent items were allowed to persist despite previous attempts to address them. Furthermore, I request that appropriate measures be implemented to prevent similar occurrences in the future. 

I urge you to prioritize this matter and provide me with a swift and satisfactory resolution. Failure to do so will leave me with no choice but to escalate this complaint to the relevant authorities and seek further recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (FL)

I received a letter in the mail from Hunter Warfield threatening to sue me for a past due amount resulting from eviction. I was in a bad car accident that left me hospitalized for three weeks and in recovery for ten months, resulting in losing my employment. Eventually, I was evicted because I couldnt pay my rent. I reached out to the XXXX at XXXX and explained my situation. They informed me that because I had a unique case, they would not sell my account to collections and would allow me the opportunity to pay {$1300.00} to settle the account as agreed. However, I never received any confirmation of the settlement offered in writing. Because I lost contact with the management company, I assumed the account was taken care of. So, when I received the letter in the mail from Hunter Warfield asking for {$1800.00}, I was very upset.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I overpaid my JCP acct by {$380.00}. I called to cancel the card and ask the {$380.00} balance be refunded and was told in order to do so I would have to agree to going on a website and be video recorded with a government issued ID!!! XXXX?!! My social and address have not changed- this is an invasion of privacy and it potentially leaves me open to identity theft!!! Wrong, wrong wrong! 
I am notifying XXXX as well since Ive made my payments via their online bill pay for years!! I sent a letter to the FL attorney generals office as well- they have absolutely no right to request anything of the sort- especially if they corporately are not going to assume financial liability if my identity and that of others is compromised via this third party! I want it stopped and I want my overpayment returned immediately
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (PA)

I am a customer with PNC bank. I have a personal account and a business account there. 
I applied for the PPP 1 loan. I submitted complete and clear documentation indicating that I had a few W-2 employees and the rest 1099 employees. PNC approved a loan for {$110000.00} indicating that everything I submitted for was eligible under the statute. 

Six months later, they came back and said that the 1099 's were not eligible to receive the money and they were recalling {$75000.00} of the loan. We have called PNC on multiple occasions during which they a ) erroneously told us that originally the 1099 's were allowed and that the SBA changed the rules. SBA confirms that this was not true. b ) refused to give us a copy of the underwriter 's document to let us know who at PNC approved the loan c ) a number of the people we spoke with refused to give us their names and d ) they told us there is language in their loan that indicates 'regardless of whether there is lender or borrower error, PNC is not responsible. '' According to other banks I have spoken with, PNC could have worked with us un multiple ways to get a better outcome for us, but they took know responsibility for us as a client or for their error. 

I know this is a CONSUMER agency. We have appealed to the SBA. 
We have appealed to our Congressperson We have appealed to PNC No one is listening to us and seemingly everyone has a way out of liability for this except for us. I am a consider of PNC and I desperately need someone to hold PNC accountable for their unethical practices here. They have put up numerous roadblocks to helping us in any way for an error that is clearly theirs.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Executive Office ; I'm really concerned about how my matter was handled. Back in XXXX, I applied for a partially secured credit card with your company which I opted to deposit {$290.00} which would've given me a credit of {$450.00}. I called a couple of weeks after because I never received and that they never took the money from my account. The representative asked for my bank information again and within a week or so the money was deducted from my checking account. I was excited to receive the card and I went ahead activate it and use it immediately for like $ XXXX {$60.00}. The very next day, I found out my card wasn't working and when I called the representative rudely stated that It was closed because I gave them initially the wrong account information. I'm not sure how that happens but I remember me called to ratify the situation and you guys did withdraw the money from my account. When I asked them what I should do then, he said that now there is nothing that can be done and the account is closed and after they take the money I used the remainder will be deposited. I've waited almost 2 months now, and my money has not been deposited back to my account. Due to the fact that this account was closed immediately, it shouldn't be reported as such on my credit report. Now it showed that I haven't paid the account, and your company had instructed me that they will deduct the money and send the remainder back. What's going on with my credit report and where is my {$250.00}?
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a Capital One Credit Card holder. Capital One has tried to get me to upgrade my credit card for many years. I finally decided to apply for another Capital One credit card that I actually thought I would use and for which I would derive benefit based on my spending habits. I have a credit score of XXXX as of XX/XX/2022 per Capital One XXXX XXXX credit score tracking. I was told I could submit a soft application which would not affect my credit score. It was a fraction of a second after hitting enter that I received notice that my application was denied. This seems like a deceptive practice of bait and switch. Capital One apparently wanted to steer me into a specific credit card category and therefore denied me the credit card I wanted which required a lower credit score category than the excellent score I possess. In addition, I have a substantial credit line with Capital One and offered to share this credit line with a new credit card when I first broached the subject with Capital One last month.
Consumer complaint received 2021-08-02
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. (TN)

XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on file.