davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (TX)

This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2019-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I applied for a payday loan and repaid the loan. I strongly believe that the the loan amount was re-approved without my knowledge and ended up effecting my credit score which the account went to collection on XX/XX/2018 and im noticing this effect until now. At the time i did not know how credit work or payday loans. Further more with this in effect im being stop in potential opportunity and will appreciate forgiveness for better credit experience.
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (TX)

A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (TX)

A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/2018. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report.

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/2018, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

3. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/201XXXX XXXX XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation. 

**Actions Taken : ** - I have repeatedly contacted XXXXXXXX XXXX customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions.

- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part.

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account. 
- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments. 
- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies. 

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (GA)

To whom it may concern, Santander is reporting misinformation on my credit report, The account is resolved but it comes up on the XXXX  database when I am trying to purchase a vehicle. Attached is what I can see on my XXXX XXXX. As you know their have over six thousand complaints in your database with these types of discrepancies amongst other lawsuits and the like attached are supporting documents Thanks For your diligence in the matter
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

I received a debt collection from Professional Debt Mediation for {$310.00} by an electric company called XXXX XXXX XXXX on XX/XX/2022. Ive never opened an account with them, they are based in XXXX. Ive tried disputing this twice now. Ive filed a police report, Ive called the credit bureau multiple times, and the electric company wont do anything. It also came to another credit bureau called XXXX XXXX XXXX and it got cleared. I am wondering why the other credit bureau is not moving this process along.
Consumer complaint received 2022-09-13
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Starting on XX/XX/XXXX, charges for XXXX XXXX cards starting appearing on my Chase Amazon card. These charges were for either {$60.00} or {$75.00} and it happened 13 times until XX/XX/XXXX. Amazon flagged them as suspicious since I have never purchased such items in the 5 years I have been a customer. Chase Bank opened an investigation and told me it was ruled fraud. I closed the card and amazon froze my account. I thought everything was resolved until I received a phone call this Tuesday, XX/XX/XXXX from someone working on behalf of Chase. I was informed the Bank ruled it as not fraud and I was responsible for the charges. I thought it was very strange and when I searched the number it came up as a scam number. I called Chase and they told me it is them calling. Upon further research I realized that the bank must " sell '' to a 3rd party investigative department who decides whether or not something is fraud. I spoke to Amazon numerous times and they tell me they see on their side that the transactions were marked as fraud and that there is NO record of Chase ever reaching out to them. My concern is my credit getting ruined since I will not pay for these charges and I have worked really hard to have a credit score in the high 600 to now have this ruin it. 

Here is a list of transactions : XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00} XXXX {$60.00} XXXX {$60.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00}
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/21 I went to purchase a vehicle from XXXX. I lifted a freeze from my credit report in order to do so. XXXX XXXX XXXX was able to access my credit report but because of an extended fraud alert on my report they needed to verify that it was me who was indeed trying to get credit. Experian was unable to provide correct credentials to the bank so the bank stopped the process of the request. 

Experian website does not work as intended. It is a bundle of frustration. Does not allow login, would not allow getting a credit report, would not allow communication. In this time and age everything happens within seconds, Experian is forcing me to contact them via mailbox. There is no email, no chat, no live person on phone i can contact. I resent the fact that it is not of my own choosing but they affect my financial affairs and very incompetently at that. I wish I could just choose not to have anything to do with experian. 

My sentiments reflect that of millions. This is late stage capitalism at best.
Consumer complaint received 2020-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I do monthly transfers from usaa and made a copy of this. I transfer from an external account and the funds are made available immediately. On XX/XX/2020 employees from the bank began XXXX  around and holding the funds that would transfer immediately for up to 6 days on purpose intentionally trying to make me homeless so I could not pay my hotel bills. One of them called me out of my name as well and this let me know it was done on purpose. I want my money that they have on hold send to my account asap. They are playing with my account.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited over XXXX in Bank of America in XXXX atm the amount did not show nor reflect on my account I told the clerk there, as a result I was rushed no one said anything about a 10 day investigation or the fact that I would have to wait. I am traveling for work and have no money now due to this Im also negative and they keep making me wait the first claim put in when it first happens XX/XX/23 was never recorded I had to call today on XX/XX/23 then i spoke to a rep and manger and now theirs a claim out in I am extremely upset.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IN)

My wife and I resided at XXXX XXXX XXXX  between XXXX & XXXX. Shortly after moving in we started getting charged with all these hidden fees like paying a monthly charge for a garage that we didn't have and didn't exsit. We were being evicted and we went to court. We had already found a place and was scheduled to move in XX/XX/XXXX. Before hearing our case the Judge had us talk to XXXX XXXX lawyer to see if we could reach an agreement. We agreed to pay the last two months rent we old and court cost. After we moved XXXX XXXX sent us this rediculous itamized bill for well over {$9000.00} and turned it over to collections National Credit Systems. I disputed the charges with XXXX  credit bureau and won the dispute. Now National Credit System has been sending me threating letters saying they're authorized to settle for half the {$9000.00} or they gon na send it back to the credit bureau
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NC)

I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX I would like for NAVY FCU to show proof of verification that I owe them {$42000.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Consumer complaint received 2021-08-30
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. (FL)

Please help me understand why this investigation is taking so long. Im a victim of identity theft!! I first notified Equifax XX/XX/21!! Its now XX/XX/21 and Equifax is still investigating!! I see I must get and Attorney and file a report with FTC and FCRA!! Its 3 accounts on my report which are fraudulent!! XXXX XXXX & XXXX  has blocked & deleted items!! Equifax keep saying they are investigating, its nothing to investigate. One company sent me a few pages of a contract, WHICH DOES NOT HAVE MY SIGNATURE ON IT!!! IT ALSO HAS THE WRONG DATE OF BIRTH BECAUSE ITS FRAUDULENT! Equifax NEEDS TO FOLLOW SUIT AND DELETE THIS ITEMS FROM MY REPORT ASAP!! 

1 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$610.00} 2. XXXX  XXXX ( XXXX XXXX XXXX  ) {$590.00} 3. XXXX XXXX XXXX {$500.00} IVE NEVER DONE BUSINESS WITH ANYONE OF THESE COMPANIES, IVE NEVER ENTERED INTO A CONTRACT WITH THESE COMPANIES!! These accounts are fraudulent!!!
Consumer complaint received 2021-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

You are reporting this account as 60 days late, However this account has been paid and it is closed therefore it should not be reporting as LATE. I have sent a couple rounds of dispute to your company but never saw any changes.
Consumer complaint received 2021-08-30
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. (FL)

I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (FL)

It was when I received my tax refund in XXXX for my XXXX taxes and I went to XXXX when they hit spent about {$250.00} and regions charged me 3 {$180.00} overdraft fees that they are still expecting me to pay and refuse to fix
Consumer complaint received 2020-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

NEW Rez, LLC took over the mortgage from XXXX XXXX on XX/XX/XXXX of XXXX. During this time I've left multiple messages and attempted to contact the comany multple times. I was never able to connect with an actual associate until the week of XX/XX/XXXX. During this week I contacted three separate associates and was told each time that a " complaint '' was submitted and that an associate would be in contact with me for a resolution. This never occurred. On XX/XX/XXXX I was on hold for nearly an hour and bounced between multiple associates but never to the correct department. During this time, for each new associate, I was asked the exact same questions and then transferred. Each associate said that a complaint was filed, however, upon transfer found that nothing was included. This company had an email address on file that I have not used since I was XXXX years old ( I'm now XXXX ) and acted like it was given to them by me ( it wasn't ). 

The only thing that I need is to be able to log in and view my account details. I have the previous company telling me that I owe XXXX and New Rez saying I owe XXXX. I want to log in to the account and determine which informaiton is accurate. I also need to view my tax informaiton as NEITHER company sent this information to me and it's preventing me from filing for XXXX. Lastly, I need to verify that the escrow information is current and look over the taxes assessed for the upcoming year as the area was increased by 10 %. Without being able to view this information I'm not able to determine the new monthly rate that the mortgage with escrow would be. 

This company is exceedingly difficult to work with and unprofessional to see the very least. It's not a huge request for the information provided to be accurate and funcitonal. Before assuming this volume of work they should have been prepared to actually service these loans well and have their website information accurate, functional and accessible. 

Also - the phone number listed at the top of their webpage? That's a XXXX conference line. Apparently they need IT folks or to hire a company that knows what they are doing in web design and functionality!
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Recovery Solutions, LLC (MI)

On Friday, XX/XX/2020, someone named XXXX from this company contacted a relative of mine wanting them to send documentation about myself. Never heard of this company and had to do a XXXX search.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CO)

On XXXX, I mailed my payments from XXXX XXXX XXXX in XXXX, NV. We gave the head of housekeeping the bills that where addressed to Companies that I owe. She put them inside of a box that said out going mail. 
Check number XXXX, Made out to XXXX XXXX XXXX XXXX, In the amount of XXXX, it was electronically cashed by XXXX XXXX. 
I have filed complaints with Chase Bank 4-5 times. Every time they tell me that it is going to take 30-90 days. 
XXXX XXXX also cashed other checks electronically which was corrected by the bank. These checks were marked through the companies names and XXXX XXXX wrote her name in. 
the XXXX XXXX XXXX XXXX check number XXXX was not marked through by XXXX XXXX but she was able to cash electronically.