davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-13
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. (NH)

XXXX  retail credit card company failed to communicate due dates and statements in mail. I reached out to them and learnt They had no mailing address or email per conversation with their support rep. And reported me to experian as 30day unpaid dues causing damage to my report. I tried to work with them but they never fixed it. Experian also failed to fix it and never looked into my request seriously. I strongly discourage everyone to avoid retail credit cards no matter how much discount they offer.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe I've been a victim of identity fraud and have had $ $ sucked out of my account over the past year and due to COVID19 issues, have had toime to reconcile my accounts to discover this problem totalling {$4000.00} in charges.. 

Yes BOA disputed the charges, cancelled my card & got a new card coming to me via next day air ; but they've got my $ $ hostage and refuse to return the balance until 90 day investigation occurs?? 

You will see on the attached .pdf XXXX XXXX " XXXX '' shows my information is on the XXXX, and multiple entries of my email password compromise ... That email is primarily used on my windows computer, where it stores my CC info ... etc I believe the ID theft was a hack on that laptop.. 

I also see when there are delinquent accounts and also multiple conflicts I was having with my CC companies ... They refused to acknowledge i wasn't making these charges which was within the calendar where the first XXXX entry occurs..
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OR)

I received an unsolicited credit card from US Bank in the mail on XX/XX/2020. I made several attempts to contact US Bank by phone to complain and cancel the card. But, the wait times are so long it is  extremely inconvenient. I resent the fact that US Bank can send a credit card to someone that has absolutely no contact with the bank. The potential for fraud if this card were to fall into the wrong hands is enormous. My potential liability through no fault of my own is unacceptable. I have worked hard all my life to maintain a spotless credit rating and the potential this unsolicited credit card represents to do harm to my credit rating is also unacceptable. 
I do not nor have I ever had any account with US Bank. I do not want this credit card. But most concerning is that this type of practice of sending an unsolicited credit card to an individual is legal. This practice should be illegal and US Bank should be held responsible for consumer fraud.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (CO)

There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. Thank you.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (CO)

There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. Thank you.
Consumer complaint received 2020-04-14
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing this complaint because previously I sent a Identity theft packet to the company TRANSUNION which they receieved on the XXXX of XX/XX/2023. 
This packet contained all of my identifiable information to verify my identity and all other documentation needed for this consumer reporting agency to properly submit a block of reporting for fraudulent information reporting to my consumer credit file. This packet also included the following ; Scan of my ID, Scan of my Social security card, my handwritten letter documenting the events, a copy of a XXXX notary form, a copy of the credit report with the fraudulent information highlighted and a copy of the FTC identity theft report. This is everything required by the Fair Credit Reporting act 15 USC 1681c-2 ( a ) to submit a block of reporting and deletion of this fraudulent information. After calling today and speaking to the supervisor XXXX XXXX in the Specialized Fraud Escalation Department I was notified that the FTC report was not attached to the Fraud dispute so it was not being processed properly. XXXX stated that I could upload the documents via online at transunion.com/disputes to submit it quicker however, after having the online support team assist me with logging in I was still unable to " attach '' anything to the current dispute like the supervisor XXXX XXXX had told me. I am quite frustrated and tired of going back and forth with different members of this consumer reporting agencies " teams '' and " departments '' to get them to do what the law is stating they are required to do at this point. 
I have decided to submit the information via this online complaint to ENSURE that these matters are taken seriously, that the information gets to the proper department and most importantly as a record of my last attempt to handle these matters directly with TRANSUNION. I am attaching the previous documentation that was sent and all of the information needed for TRANSUNION to follow 15 USC 1681c-2 ( a ) and remove this fraudulent account that is NOT MINE, that I did NOT consent to and that is reporting as a RESULT OF IDENTITY THEFT and which should be blocked from reporting and deleted from my consumer credit report immediately upon receipt of this complaint within XXXX business days, which is by the date of XX/XX/2023.
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
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 (IL)

I paid off the balance on my XXXX XXXX to XXXX during the first week of XX/XX/XXXX. 
Despite a call and an email, XXXX has neither sent my car Title nor reported the payment to credit agencies.
Consumer complaint received 2020-04-14
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....
Consumer complaint received 2024-03-21
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. (NC)

I want to express my concern regarding the reporting of late payments on my credit report. Despite sending multiple letters to dispute these accounts, the late payment accounts are still present on my file. I have contacted the respective creditor regarding these late payments, and they have acknowledged the inaccuracies in reporting. They have agreed to remove these late payments from my credit report. 
I urge you to take immediate action to remove these late payments from my credit report, as they are inaccurate and are causing significant harm to my credit score. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I removed my Escrow from my mortgage the first week of XXXX. I received a letter stating they received my request on XX/XX/XXXX and it would take 5-7 business days, plus mailing time to refund my balance in the form of a check. 

XX/XX/XXXX I called to check the status of my check and was told that it had just been approved to " cut the check '' and if I had not received it by XX/XX/XXXX to call back. 

I called back on XX/XX/XXXX and told them I had not received my check. The female looked into it and found out that the entire check, without my permission, had been applied to my mortgage balance ( XXXX 's payment and the remaining XXXX was placed on the balance of the loan ). I was then transferred to XXXX XXXX, ( Arizona ) in the escalations department. XXXX told me that he did not know why it was applied to my loan and he would wire me the funds. He stated it would take 24 hours to approve and 2-3 days for the wire. He stated he would call me on Tuesday XXXX XX/XX/XXXX ) to give me an update. i did not hear from XXXX at all. 

On Wednesday XXXX XX/XX/XXXX ) I emailed XXXX and never received a response Thursday XXXX XX/XX/XXXX ) I called XXXX and left a message, he did not call back so I called back and pressed XXXX, according to his answering message, and spoke to a female in Texas. She stated she did not know what the hold up was and that " account services and escalations had not been friends for about 3 weeks '' and that they are not doing their job. She said she would look into it and also send XXXX and email. 

I called XXXX back on Friday XXXX XX/XX/XXXX ) and left another message. This time he called back and said that " it had been denied '' I asked what was denied, the wire transfer or giving me my money back? he said he didn't know but would look into it and he would email the manager of account services. I asked if there was a number that I could call them at and he said no there wasn't. He said he would get back to me Friday night with an update and that the wire might even be in my account Saturday XXXX XX/XX/XXXX ) Again XXXX never called me back. It has now been over 5 weeks since I removed my escrow and I have still not received MY MONEY and it has become unbelievably frustrating. I am losing interest, all though a small amount, that I would have made by investing in the stock market drop on XX/XX/XXXX. I feel as though I am being led on a wild goose chase while they hold on to my money.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (KY)

On XX/XX/2020, a person name XXXX XXXX from XXXX XXXX XXXX XXXX [ XXXX : XXXX ] called from number XXXX ( XXXX ) XXXX, and said, " We have accidentally placed a temporary authorization on your account and have requested {$620.00} from XXXX Transaction , which will be removed from your account within 3-5 business days, so I need not worry ''. 
a day passes by and on XX/XX/2020, the same person called and said the same things as on XX/XX/XXXX, and requested me to ignore the charge on my XXXX which was requested by XXXX XXXX ( XXXX ). The payment went through and no alerts were sent by Citibank. 
I called the Citibank the very next minute and informed them about the fraudulent transactions. And also changed the password to the online Citibank account. 

Citibank is claiming that these transactions were authorized and hence I should bare the charges. The receiver himself is agreeing on the fraud but Citibank won't do a chargeback. Contacted the merchant and received a guarantee letter from merchant that they will settle the chargeback but the bank won't help with a chargeback. Police Report has also been filed against the merchant but bank won't help at all.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (NJ)

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.
Consumer complaint received 2020-04-13
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. (PA)

XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

Called PennyMac my servicer about Mortgage suspension/forebearance program said it was not automatic I had to be approved and only through XX/XX/XXXX 90 days. This is not what the .gov site says is available.. The site says 180 days with extension of 180 and only a statement that you are struggling with making payments due to Covad. Loan # XXXX/XXXX XXXX/XXXX XXXX, Ut Gov.com website states : Second, if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship.
Consumer complaint received 2020-06-13
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: Caliber Home Loans, Inc. (VA)

In XX/XX/XXXX I called Caliber Home Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by Caliber Home Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.
Consumer complaint received 2020-04-13
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: BARCLAYS BANK DELAWARE (CO)

There is still a Barclays Bank Delaware card on my report. I repeatedly told Barclays that fraudulent information was on my report. Barclays did nothing to help. I will never do business with Barclays again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX is reporting a balance of {$940.00}. A payment for {$320.00} was made on XX/XX/23 bring the balance to {$620.00} but the balance of {$940.00} is still being reported and it was never updated.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Volvo Car Financial Services U.S., LLC (SC)

My lease payment auto-pay sent, by my mistake, an extra payment in XX/XX/2022 to Volvo Car Financial Services ( VCFS ). When I realized the error, I immediately called VCFS and the representative confirmed there had been 37 payments made ( 36 valid lease payments and XXXX mistaken extra ). My issue is that it has been over a week since that was acknowledged. I still don't have my money back. They claim they'd like to deduct end of lease fees from that amount. This is unacceptable. I will pay any legitimate fees as may be necessary. The potential for future charges does not justify VCFS holding money not belonging to them for an extended period of time.