davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (NY)

Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CO)

I have yet to receive any type of notice of this debt. I learned of his debt on XXXX XXXX and its been on my account since XX/XX/year> and have yet to receive any letter. XXXX XXXX also does not list a physical address to send a certified letter or any contact information
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Do NOT CLOSE THIS COMPLAINT. I am making this complaint me the human person not some third party company. anyways i noticed some accounts on my credit report that i never signed up for and realized that i am the victim of identity theft. I sent a police report to the credit reporting agencies but they didnt remove any of the accounts that didnt belong to me.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAFCO Finance (WA)

I have been doing all I can to pay on my truck. Since XXXX it has gotten worse with paying my payments. Threats of repossession and the like. 
Income tax return I paid a large amount. Stimulus check I paid more. I even got a loan from my retirement to make payments. Then they told me again they was going to repossess. They gave me an amount that would pay off the truck. I have it in a text message from Nafco on my phone. I got the amount they wanted. XXXX. Email today says that I still need XXXX more. They received the big check which was a certified check from the bank. By paying off my truck i want to be done with the harassment. I do not trust Nafco Finance. At all
Consumer complaint received 2022-01-22
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. ()

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, Transunion, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

I opened a home depot consumer credit card in XX/XX/2019, with a promotional offer of {$100.00} cash back within 30 days of opening an account, if I spend {$1000.00} in the first thirty days. I promptly made an online purchase totaling {$1000.00} exactly 7 days later. The order came in two shipments. After two months, I called and inquired about the promotion. The agent informed me that it was already applied, but the receipt and the purchase price didnt reflect the cash back. They escalated the issue. I never heard anything. I called back a month later, the agent informed me there was no record of my inquiry the previous month. The new reason for not honoring the promotion was that because the order was sent in two shipments it was considered two separate orders and the promotion does not apply. I confirmed that both shipments have the same order number and both items were on the same receipt, so the agent again escalated the issue. I heard nothing for another month, so I called back. Again, there was no record of my two previous inquiries. I asked to speak to a manager. I was placed on hold for 11 minutes. The manager told me there was nothing she could do to honor the promotion, too much time had passed. I closed my account.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

In XX/XX/2018, I took out a payday loan at Easy Money in the amount of {$500.00}. As soon as I received my paycheck, I repaid the loan in full with interest for the amount of {$580.00}. My bank account was debited twice for the amount of {$1100.00}. I tried to contact the corporate office for Easy Money with no success. I tried contacting the manager at the store, still no help. I also reached out to the XXXX XXXX XXXX. Nothing I did worked. I still have this negative mark on my credit report.
Consumer complaint received 2024-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (IL)

Approximately XX/XX/XXXX of XXXX, I closed on a house that I was going to live in while re-habbing. The initial purchase ( down payment and all finance fee 's ) took all of the money that I had saved towards retirement ( I'm almost XXXX ). The XXXX  however, would not give me an occupancy permit until several things were brought into code. Fast forward to 1 week before XXXX XXXX  when XXXX  finally grants my permit for occupancy. Less than a week later, I receive a letter from my mortgage company stating that my current monthly mortgage of {$1100.00} would now be just under {$3000.00} per month! Considering I barely qualified for my initial XXXX payment, there would be no way I could pay XXXX XXXX a month, nor would I ever consider it for a re-hab inn my local hood. 
I contacted the closing attorney and he started looking into the problem. I was told that an assessment was done on the house, along with the fact that all 3 exemptions had fallen off. Those exemptions were homeowners, senior exemption and senior freeze exemption. 
I had contacted Chase several times as thisa whole thing had left a nasty pit in my stomach. It has been a ride from hell that nobody can seem to figure out. I since involved a realtor to try to do a last minute sale, the place sold immediately and the new owners to be asked if I could move out by next weekend, I told them no problem. A month later, the deal fell through due to their lack of financing. 
I moved out of that house on XX/XX/XXXX of this year, and have been sleeping on a friends couch. I then sold the house again but now I needed to bring XXXX dollars to the closing to pay up the tax debt and last 2 months payments. 
My credit score has already dropped XXXX points and Im supposed to retire in a few years. I now will have to work until I die. 
I was left with an absolute mess to deal with, except nobody had the instructions on how to deal with it. Please help! 

House was located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, IL My realtors name at purchase was XXXX XXXX, XXXX banker real estate group XXXX. 
My closing attorneys name is XXXX XXXX at XXXX, XXXX and XXXX. XXXX. 
My initial lender was XXXX XXXX at XXXX XXXX, XXXX. 
The lender they sold the loan to is Chase mortgage at XXXX. Account number XXXX XXXX XXXX tax assessors office XXXX
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a credit monitoring alert and noticed that there was a new inquiry that I did not authorize. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have since placed a fraud alert on my Transunion account to ensure that I recieve a phone call to authorize access to my credit report. The erroneous inquiry is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I closed this account on XX/XX/2022. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account.

This isnt a consumer friendly card and they want to milk the consumer anyway they can.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC. (CO)

XXXX XXXX ( address XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ) is attempting to collect money for estimate from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ). This estimate was not signed or agreed upon.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (FL)

I accumulated a late fee from XX/XX/2023. I paid the late fee in XXXX of XXXX. The company continues too add charges from the late fee and saying it was not paid. Ive faxed supporting documentation and they have not cleared but continue to add. The reps do not take notes of previous calls.
Consumer complaint received 2022-01-23
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: Experian Information Solutions Inc. (IL)

ON XX/XX/2021 I SUBMITTED A COMPLAINT WITH CONSUMER FINANCIAL PROTECTION BUREAU ABOUT CREDIT INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT THAT I HAVE NOT AUTHORIZED WITH ALL THREE CREDIT BUREAU. IT HAS BEEN OVER 30 DAYS AND THESE INQUIRIES HAVE NOT BEEN REMOVED FROM MY CREDIT REPORT. I HAVE OVER 20 HARD INQUIRIES DAMAGING MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In the last several weeks, CapitalOne refused to open XXXX XXXX XXXX account for me. They claim that this is because of the computer issue with their database. Today, XX/XX/2020, I spoke again with their representative XXXX, employee number XXXX and he again denied me the account. They have been claiming that technical department will fix some unspecified issue at unspecified point of time. It has been weeks, and issue is not fixed.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MSW Capital, LLC (TX)

I contacted the three major credit bureaus and MSW CAPITAL LLC to  verify an assumed debt of {$550.00} listed on my credit report. 
I also never received notice of debt to MSW or options to dispute or pay assumed debt.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

Accepted XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offer Accepted for value received {$8500.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account XXXX Signature Business By Accommodation : AH/ Agent Without Recourse, XXXX XXXX
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

Accepted XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offer Accepted for value received {$8900.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account # XXXX By Accommodation : AH/ Agent Without Recourse, XXXX XXXX
Consumer complaint received 2021-06-03
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. (NC)

I as of late sent a question letter to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Consumer complaint received 2020-06-09
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. Experian confirmed on the same day that they had yet to hear from XXXX. 
We followed up w XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w XXXX  Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that XXXX  credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
Experian still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (AZ)

SageStream , LLC reported a credit score of XXXX when i know it is XXXX i asked for a copy of my credit report on XX/XX/2020 in order to correct them. i still have not received it. i sent a copy of my valid drivers license when i filled out their forms. i was not sure i should send my drivers license but it was better than the rest of the information they wanted. i now believe that they are a fraudulent company with the intention of performing frauds with the information i supplied. they again supplied the company i requested credit with on or about XXXX i will enclose the documentation concerning it if i am able. it is in PDF form.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not authorize the following lenders to view my credit report and it was done without my consent. 

I am requesting the following lenders to remove the inquires from my credit report within 5 business days. 

1. Capital One Auto XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Apparently someone has my credit information. I am a XXXX XXXX  and can not drive due to the numerous amount of XXXX XXXXXXXX XXXX XXXX XXXX XXXX this year. 


Please remove within 5 business days
Consumer complaint received 2020-06-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The Credit Bureaus are reporting 30-days late for XXXX. 
XXXX previously said we were 30-days late for XXXX, not XXXX & submitted a negative mark for it. 
We requested COVID assistance in XXXX from XXXX for both cars we have with them. They only processed one then ( not this one ). We had made a payment on XX/XX/XXXX. 
We made a payment for this car on XX/XX/XXXX over the phone with an XXXX  collections rep. The rep acknowledged that there had been a delay processing our COVID deferral request. The payment made in XXXX would apply to XXXX & all late fees would be waived because it was their fault for the delay. The rep also said thered be no impact to our credit. 
We filed a dispute on XX/XX/XXXX after it came to our attention that XXXX had filed a negative mark on us. 
On XX/XX/XXXX we spoke w XXXX  who said the issue was being worked on and would be resolved in 2-3 days & apologized for the inconvenience. Experian confirmed on the same day that they had yet to hear from XXXX. 
We followed up XXXX XXXX on XX/XX/XXXX who confirmed that the late mark would be removed & a credit correction letter emailed to us confirming this. It would be sent within 48hours. 
On XX/XX/XXXX, we still had not received the email & followed up w XXXX. The XXXX rep said that because of legal issues relating to credit bureau reporting they could not email the credit correction letter to us but would mail it to us no later than XX/XX/XXXX. 
On XX/XX/XXXX, we still had not received the letter & followed up w XXXX. We spoke with 3 different reps on XXXX. The first said that they actually could not legally send us the letter but that an update was sent to the bureaus on XX/XX/XXXX removing the late mark. XXXX suggested we follow up with the credit bureaus which we did only to be told they had not receive an update from XXXX removing the mark. 
We lastly spoke w MBFS Subject Matter Specialist, XXXX XXXX. She checked with their collections team & confirmed our story. XXXX also confirmed that MBFS credit dept had auto/manually corrected the late payment mark & the account shows no late payments in its history & in good standing. This update was supposedly sent to the bureaus on XX/XX/XXXX removing the mark. 
Experian still shows a late mark on the account. Pretty absurd given the strict rules around COVID deferrals.