davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: Global Credit Union (ME)

I was sent a check for what I thought was a business deal. I made transactions with funds from this check, having funds available at the beginning of XXXX. On XX/XX/XXXX, there was a stop payment placed on the check, causing any transactions to not go through, and causing my account to go negative, which I have not been able to catch up on. The check was from Alaska Credit Union, written from the account of XXXX XXXX  for {$15000.00}. I have attempted to obtain funds from this check, to no avail. The credit union would give me no information as to why a stop payment was issued.
Consumer complaint received 2022-12-28
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)

I went to a car dealership, and they told me my credit report would only be ran once. But my credit was ran multiple times without my consent. 12 times. 

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 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 XXXX XXXX XXXX XXXX XXXX I went to get a a car and was told i would not have my credit ran to fill out an application, and they did so without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  no purchase was made No consent for this credit run XXXX XXXX XXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX - no consent and nothing opened FRAUD No consent for this credit run XXXXXXXX XXXX- no consent and nothing opened FRAUD No consent for this credit run XXXX XXXX- no consent and nothing opened FRAUD
Consumer complaint received 2020-04-10
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. (CO)

Last XXXX I filed a claim against XXXX XXXX  for doing a hard inquiry instead of a soft and giving me credit that I didn't ask for. This involved a dishonest Plumbing and Heating Service that tried to con me into replacing my entire HVAC system, over $ 14K, promoting a 0 % interest rate. Turns out, there was nothing wrong with my HVAC. Meanwhile, with your help I was able to get XXXX XXXX  to agree to fix this. To that end they sent me a letter claiming they had corrected this with all the national credit reporting burueaus. Meanwhile, since then, every time I have checked with Experian, my main credit bureu, they still have my credit dinged with the " hard inquiry '' from XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company I had re-reported to CFPB as I recall, some months ago, but nothing came of it. I assumed there was a delay and gave XXXX XXXX  and Experian the benefit of the doubt. But now, over 6 months later it is still not fixed. My attempts to contact Experian directly have been to no avail. I have even shared the letter from XXXX XXXX  ( included as an attachment ) to no avail.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2022-12-28
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. (OH)

XXXX XXXX  Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX  in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my XXXX XXXXXXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact Experian to file a fraud report and will be contacting XXXX and XXXX.
Consumer complaint received 2022-12-28
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. (OH)

XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX  2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXXXXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and Equifax.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A. (NC)

On XX/XX/2020 and XX/XX/2020 I requested balance transfers for two other accounts I was planning to pay off using a balance transfer. The XX/XX/2020 payment did not arrive at the financial institution until XX/XX/2020 and the other payment has still not arrived ( as of XX/XX/2020 ). As a result of the slow process I was concerned about being charged late fees on both accounts so I paid the minimum payment but as a result of the late balance transfer I ended up being charged interest on those accounts. 

On XX/XX/2020 I called PnC who told me it could take as long as 23 days to process a balance transfer. I have done many other transfers before and never had it take 23 days. I would not have used this service had I known it would take 23 days since that is a headache. Given COVID19 I also worry that my payment was delayed processing since they are likely short staffed at all the institutions. I called PNC asking for them to waive the fee on the BT and they told me they could not do that and I should expect the payment to take as long as 23 days. 

In my opinion, this is poor service given the circumstances. I would like both of my balance transfer fees to be removed since I've had to call both of the other institutions and used my " one time fee waiver '' as a result of PNC 's slow process.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

At the end of XX/XX/2021, we were approved for a refinance of our existing mortgage loan. It is already thru Bank of America. The closing costs were estimated at around {$7000.00}. We disclosed that we wanted to pay all closing fees out of pocket and also that property tax is due in XXXX We were assured that there were no hidden costs and that we were okay on only having partial property tax included in the closing costs even though property tax is due in XXXX XXXX and that we would close at the end of XXXX. The closing date was scheduled for XX/XX/XXXX. We provided all financial docs to confirm we had the required amount plus funds to cover 2 months of mortgage payments. Now almost 2 months later, they changed the closing costs amount 2 times because they did not calculate it accurately and we called them on it. They tried to include some of the closing costs into the new loan amount without telling us. When we said again that we were paying all up front, they were now asking for more funds to be in the account because they wanted the full property tax for the year. And when we agreed to the new amount of {$11000.00} in closing costs, they still said they could not close us by the end of the month. Also, the loan officer said that we dont need to pay XXXX mortgage payment as we were going to close on XXXX XXXX so we did not. Thankfully we had that money on the account to make mortgage payment timely. So we decided to withdraw our application. This process was painful, long, dissatisfying and it felt like they were trying to take advantage of us and hide costs within the new loan balance.
Consumer complaint received 2021-10-20
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. (VA)

All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My brother XXXX XXXX used my name to apply for a credit card from XXXX XXXX and maintained the account without my knowledge. He used to live with me, he is incarcerated now and I was not aware of this. I have filed a police report and sent it to the company but they dont care and still calling me every day to pay. I dont owe that money. I did NOT authorize my brother to obtain any kind of credit cards with my name Original is XXXX XXXX Now bought by portfolio recovery LLC
Consumer complaint received 2020-04-10
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. (NC)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2000.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This charge was for an emergency ambulance transport of which I had insurance coverage at the time. There was an error in the billing and this account should be reporting a {$0.00} balance. There is no outstanding balance to collect. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (AL)

Its about {$800.00} that i apply for dispute for not received purchase order. About 16 transaction. 
My bank denied my claims.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CO)

XX/XX/XXXX I dispute a charge of {$100.00} from a company by the name of XXXX XXXX. I did not authorize this charge and wasn't aware of who did. On XX/XX/XXXX CURRENT bank denies the dispute and gives no reason why. On XX/XX/XXXX I ask Current for the merchants info and they can't produce. I make them aware that i disagree with their decision because i can't even reach this XXXX business and Current informs me i can't appeal their decision without 1 ) a receipt from the transaction 2 ) a screenshot or some type of document showing i contacted this company Since it's impossible to reach the company and nobody knows how or where to contact them I believe my appeal should be granted! Current disagrees and keeps the {$100.00} This is clearly an instance where the bank is using their corporate power to take advantage of the consumer. It's a simple problem I did not make the purchase therefore i wouldn't have a receipt! This company is in XXXX somewhere and does not come up in a search of the World Wide Web. After further research XXXX  is a type of cryptocurrency and Current bank does not allow purchases at crypto sites! 

Resolution= Please be decent and return the {$100.00} and if the bank can't reach the merchant then release the funds instead of holding!
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

I am a XXXX XXXX XXXX Veteran that received a {$410000.00} VA mortgage loan from Dovenmuehle in XX/XX/XXXX. Actually I have make my payments and ought {$380000.00} On XX/XX/XXXX the XXXX XXXX County gave me a 100 % Real Property Tax exemption for my property and on an annual basis I submitted the exemptions document to the mortgage company. 

This year I submitted the document on XX/XX/XXXX ( There is a letter dated XX/XX/XXXX from the company stating that they received it on that date ( XXXX XXXX ) and here is included ). 

On XX/XX/XXXX they sent me a letter stating that they ran an escrow analysis on XX/XX/XXXX, raised my monthly payment and stating they paid the Real Property Taxes to the XXXX XXXX County. I spoke with a supervisor that mentioned they received the documents and paid the taxes by mistake. That Dovenmuehle going to request a reimbursement to the XXXX XXXX County. 

Today I received another email threaten me that they will hold the payment they received on XX/XX/XXXX until I submit a payment that included the Real Property Taxes they paid in error. They threaten me to charge me late fees and possible damage my credit at the credit bureau. 

The mortgage company received the exemption documents on time before they did the escrow analysis. They received the document ( Tax exemption ) by XX/XX/XXXX and the Escrow analysis on XX/XX/XXXX. Back on XX/XX/XXXX I Have a similar issue and they collected my payment and maintained them well belong the PWC Real Property Tax notice. 

This is an scam to get my money and them claim the XXXX  and have the money for a long time like they did on XXXX ( CFPB Claim XXXX ). 

I need that the mortgage company fix the escrow and stop charging me ( Disable Veteran with XXXX XXXX ) for an error that one of their employee did. 

I want they fix my monthly payment to the correct amount immediately and stop harassing me. 

Please find here attach all necessary documents.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (MD)

I have a SunTrust checking that has a pending garnishment from XXXX XXXX on XX/XX/2019. At that time I didn't have any access to my account online and I was not receiving any statements in the mail. I went to one of the local branches and spoke to one of the Account Managers concerning my accounts. At that time she said there was no pending fees, and if I any other concerns please stop by any time. My mind concerns at this present moment, I received a letter from the bank stating that I owe them {$110.00}. Where are these fees coming from. I have know knowledge of this unlawful activity.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today upon checking my credit report on XXXX XXXX my score decreased significantly because XXXX   reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.
Consumer complaint received 2024-05-11
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: Experian Information Solutions Inc. (FL)

I am writing to you today to request this account which I believe appearing to be inaccurate be Immediately investigated and corrected in my credit file. 
XXXXXXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$10000.00}
Consumer complaint received 2020-04-10
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: General Motors Financial Company, Inc. (CA)

I had a lease of 36 months with GM Financial that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from XXXX  credit that my credit had been impacted for a missed payment. Immediately I contact GM Financial but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from GM trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the XXXX  and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on GM financial for not sending me a bill.
Consumer complaint received 2022-12-28
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. (OH)

XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by XXXX/XXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting Transunion and XXXX.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (OH)

I made a payment on the XXXX of XXXX the credit card company ( Aspire ) they said it takes two days to apply the payment and was pulled out of my account on the XXXX and today is the XXXX. Everyday I call they tell me it will be available the next day and the next day arrives and its not available and they keep giving me the run around and not releasing my funds. They keep repeating the same thing over and over without releasing my funds that I paid on the XXXXThey wont even call my bank to verify the funds have been withdrawn when it clearly has been. Im not sure what they are doing with my money but something doesnt seem right.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Dear Sir or Madam, Over the last 2 weeks I have both called and emailed ( on their website ), multiple times my mortgage lender MR. COOPER to inquire about refinancing. I have not heard any repsonse whatsoever which is unaccpetable. While I undertsand the call volume has increased, 2 weeks is more than enough time to respond. It is clear, the company is simply attempting to benefit from my current higher rate and preventing me from refinancing to reduce this. Moreover, it is horrible customer service to a current customer who has never missed a payment. 

I have a 800 plus credit rating and have already begun refinancing with two other lenders who have offered me 3.75 and 3.25 respectively versus my current rate of 4.125 with  MR. COOPER. 

I would like to file a formal complaint as this is highly unethical and simply poor business
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am trying to get my credit report accurate, but am having a difficult time. As I have sent in over 20 certified letters, including my drivers license, current utility bill and any other documentation that is needed. This credit agency is reporting inaccurate information which s making it difficult for my daily living. There are inquiries that I have no knowledge of, including a business three/ four times the same day. Also, there is a bankruptcy that is being reported, but is inaccurate. I am trying to make sure my credit has correct information.