davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
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. (IL)

XXXX & Experian are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. XXXX & Experian have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CT)

On XX/XX/XXXX, I attempted to file a dispute made with XXXX on XX/XX/XXXX, a mens XXXX watch ordered and never received. It is now XX/XX/XXXX, item not received. The purchase was disputed in XXXX on or around same date, XX/XX/XXXX, then closed out day after, due to rep at XXXX agreeing to remedy issue with order, since reneged on matter.. Further, item has not arrived. The rep with XXXX, XXXX, attempted to do a bait and switch with item, offering a different model watch for {$150.00} off... I then attempted numerous times to cancel order, texted both XXXX and XXXX to cancel, both refused, XXXX said she could cancel but would result in store credit, then shifted her story saying she can not cancel ... Further, the item was not received, it was supposedly shipped out via XXXX and due to arrive on XX/XX/XXXX, it appears XXXX driver forged signature if there is one, left package where it was lost/stolen .... If reps, XXXX and XXXX cancelled prior, this would not have happened... I called Affirm today to reopen dispute, was told it was closed out again after discovering notes from XXXX saying to close it... I provided Affirm screen shots via email showing my requests to cancel with both XXXX and XXXX, those appear to have been ignored... I attempted to reopen dispute with an XXXX, a supervisor, unable to confirm reopened or not... Complaints have been filed with Attorney General in New York and here in Connecticut against XXXX about this matter, remain unresolved. I request affirm open a dispute, resolve this with Affirm
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On my consumer report ( XXXX ), I discovered an account that wasn't mine. It was a Capital One account that was at issue. I reported the fraud to XXXX, provided all the necessary evidence to support my claim, and they conducted a dispute. When the dispute was resolved, it was verified that I owned the account. I don't have a Capital One account for that much, so I know this can't be true. I don't own this account, so it needs to be deleted on my consumer report right now.
Consumer complaint received 2023-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (NY)

We closed in the purchase of our home i XXXX, XXXX. Since then our loan servicer has changed twice. We are required to escrow our property taxes, PMI, school taxes and home owners insurance. In XXXX XXXX New York our school taxes are due XX/XX/2022. Our taxes went unpaid, in the amount of : {$3100.00}. They were not paid as of XXXX XXXX so i called customer service and was assured it was an oversight and they would be paid. In XXXX we received our property taxes, now, including the school taxes and late fees, and our property taxes which are approximately {$890.00}. I again notified our mortgage Company. Who paid both the school- which will be rejected- because the taxes are included on the property tax. I have several issues : 1. I contacted the loan servicer by email, phone and no one understands what im talking about. 2. i should have to pay late fees that were the fault of the servicer. 3. I have received zero explanation 4. Now, because they dont understand how taxes should work, they have over escrowed us by {$5000.00} for the XXXX  year-and thats not correct. It increases my monthly payment and will directly influence my ability to pay.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TN)

I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says SPEEDYCASH XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.
Consumer complaint received 2024-03-20
Product: Credit reporting 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: EQUIFAX, INC. (GA)

I have been trying to apply for credit for almost two years and have been getting told that my Equifax credit is blocked. I contacted them and was told to send in verification documents only for my account to still be blocked and the customer service has no helpful information. I have filed several complaints and I am still having issues with them telling me to send in verification information tnat I have already sent to them.
Consumer complaint received 2023-01-23
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. (TX)

A place called XXXX XXXX XXXX ran my credit XXXX on XX/XX/2023 and on XX/XX/2023 without my consent. I have never inquired about a car loan from this establishment.
Consumer complaint received 2019-12-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX realized wallet was stolen with XXXX debit card and XXXX credit cards and drivers license. Tried to log into Bank of America online but unsuccessful. 
XX/XX/XXXX called fraud dept of Bank of America and other credit cards reported them stolen and requested new cards XX/XX/XXXX card was used at XXXX store XXXX twice on same day for total of {$4300.00} XX/XX/XXXX went to boa branch for assistance talked to XXXX XXXX for account status. 
XX/XX/XXXX recd letter from boa rejecting my fraud claim. 
XX/XX/XXXX called boa fraud dept. spoke to XXXX who said would resubmit claim XX/XX/XXXX boa branc spoke to XXXX who called fraud dept. later called fraud dept and talked to XXXX. 
XX/XX/XXXX spoke to XXXX in fraud at boa XX/XX/XXXX recd letter denying claim spoke to XXXX XX/XX/XXXX called boa with police case number. XXXX gave me dates and names
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (GA)

XX/XX/23 I was notified that PNC Bank was questioning {$8400.00} check clearing my account. I called the customer service dept. immediately as directed. This was a fraudulent check that PNC let clear my account EVEN THOUGH THE NAME ON THE CHECK WAS NOT AN AUTHORIZED SIGNER ON THE ACCOUNT. This started XXXX days of misinformation given by both their customer service department and their account takeover department. I had to close the old account, open new account, set up auto credits and debits, buy new checks and notify outstanding check recipient 's of the problem. First I was told by XXXX in customer service that I didn't have to do anything, the money would go back into my account. After thinking about it that didn't sound right which prompted XXXX other calls, XXXX of which gave misinformation, and finally being directed to the account take over department. There, I spent a total of XXXX hours and XXXX minutes on hold XXXX different times getting more misinformation. XXXX told me that all checks would clear, but I would have to call in each time I saw XXXX in the old account and release it. WRONG! That's not what happens. Any outstanding checks bounce! Which caused XXXX of the people I wrote checks to to accrue charges of {$25.00} each from their banks for a returned check. THEN, the money I transferred over from the old to the new account bounced back. After speaking to Account Takeover Dept again was told that the original person that transferred the money missed a step so the money went back. Imagine if checks had been written on the new account-more bounced checks. I have names, dates, times, hold times, everything documented. This whole thing was a nightmare that didn't have to happen if PNC had not let a check clear written my someone not on the original account. I'm out the cost of new checks and XXXX {$25.00} bounced checks that I had to cover. Not to mention a total of XXXX hours and XXXX minutes spent on the phone with XXXX  from PNC.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

I have been trying to work with my lender XXXX ( XXXX ) about my PMI insurance. The company absolutely refuses to eliminate my PMI NO MATTER WHAT prior to the year XXXX. I currently owe XXXX on a home worth XXXX ( Their estimate ). 

Please let me know if there is anything that can be done, they are extremely rude about it. 

My cell is XXXX. 

XXXX XXXX XXXX ( XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Several attempts have been made with Santander to correct the information reporting to two out of the three credit reporting agencies, XXXX and XXXX. A dispute was made for a third time to XXXX and XXXX stating the information for a 30-59-day late payment was incorrect and needed to be fixed immediately. XXXX and XXXX came back with a statement that states Santander Consumer is providing accurate information even after a formal statement issued by Santander to myself was issued to the agencies as proof. Santander continues to report false information even after providing a statement that the information would stop being reporting several months ago. As a consumer I should not have to suffer for the negligence of your customer service team providing inaccurate information to me about payment schedules during a refinance process. This is my FINAL notice to Santander Consumer to correct the information. Two letters prior were mailed out with the documents you requested, copies of my credit report showing the inaccurate reporting. If Santander does not comply to the statement you issued to me stating, you corrected the wrongful information on a certain date, I will use my right under the FCRA to take legal matters against the company. Attached is an XXXX credit report dated for XX/XX/2019. Please refer to the highlighted section for the statement issued stating Santander is reporting the negative mark as accurate instead as removed.
Consumer complaint received 2019-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/2019 I check my checking account activities with T.D.Bank and saw that my account was negative {$14.00} Immediately I transfer {$17.00} from my savings to my checking. so that should cover the negative and left {$3.00} Then my brother made a deposit into my checking account of {$20.00} on XX/XX/2019 wish was the next day. When I check my account on that day there was a charge of {$35.00} for overdraft fee. That was a error from the bank I file a complaint with the XXXX and I check my account a few days later and was another fee of {$35.00}. 

This is fraud I'm sick and tired of having problems with this bank the whole year. I'm a XXXX Senior Citizen with fixed income, and can't afford to be wasting money giving it to any banking institutions. I is always involved in error by the customer service department. 

When you call the Customer Service Representative they be very rude and unprofessional on the phone. I suffer from XXXX also XXXX XXXX XXXX.They are robbing me from my food money. I don't get food stamps here in XXXX XXXX County Virginia were I reside. 

This is all for now My name is XXXX XXXX XXXX my checking account number is XXXX Attach you will see proof of my account activity and the transfers deposit
Consumer complaint received 2023-05-13
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. (TX)

On XX/XX/2020, I sent a letter to XXXX, XXXX, and Transunion disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX are all reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to Sue them for damages directly for the violation of my privacy. Please see attached JS 44 Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on Experian website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that Experian was reporting a high balance of {$0.00} and XXXX was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on XXXX & experian is reporting a {$0.00} balance.XXXX Also XXXX is reporting the open date as XX/XX/XXXX but Experian is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX Experian doesnt have a closed date
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (GA)

I have disputed this inaccurate and unverifiable with Experian on numberal occasions and Experian continues to report this account # XXXX by XXXX XXXXXXXX XXXX On XX/XX/XXXX, Experian say they contacted the furnisher and the account is verified and accurate. How can this be when inaccurate and unverifiable things are still reporting wrong : Last Reported Dates inaccurate, XXXX and XXXX reporting inaccurate, Payment History inaccurate. In comments Experian reports account sold to XXXX, Question then, why XXXX not listed on consumer report. Why are you reporting 120 days late then CO, CO on XX/XX/XXXX and XX/XX/XXXX. I'm writing this dispute letter because you failed to legally verify this account. I may not be an attorney, but I'm aware that you can't just tell me what the creditor tells you and that you must actually furnish the documentation to prove that my claim of inaccuracy is incorrect. Section 609 states that you are required to furnish the documentation that I filled out when this account was opened and if you can't prove legal ownership, the accounts need to be removed. Continuing to report these accounts is a violation for false reporting. Once again, these are the accounts I am disputing and I need to see everything with my signature immediately.
Consumer complaint received 2023-01-23
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. (TX)

There is an inaccurate account on my credit report with Experian for XXXX. I have sent both the Experian and XXXX a letter requesting an investigation of this debt but it appears that the bureaus has failed to conduct an actual investigation into this error. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX is the total amount of debt claimed to be owed to Midland credit for XXXX  XXXX. legal account collections number is XXXX on their website. On XXXX XXXX I entered a payment plan via their website after learning that they were suing me by searching my name on the county court website. I was told that they would dismiss lawsuit after I entered payment plan for old debt ( not verified ), and they still have not dismissed it although I have made payments on it.
Consumer complaint received 2021-12-16
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. (IL)

I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

I bought a water softener and they used Castle Credit to finance it. On my contract with the water softer company there is no terms, interest rate, or amount of the monthly payments. Soon after we started getting phone calls from them and they wanted {$80.00} every 2 weeks for 60 months. We have paid them for the last 4 years. I had some money to pay it off and so I called them asking them to show me what I owed. They said I have only been paying half them time, so I asked to send me proof and they won't. They refuse to show me what I have paid and want XXXX on a XXXX water softer. I just want proof. They put it on my credit reports and won't stop calling me.