davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (AR)

On XX/XX/2020, I received an email from a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX who I do not bank with. I am afraid my information couldve been stolen or exposed on a insecure server. She use to work for IBERIABANK I believe, and Im afraid my info may have been compromised when she left. Im concerned about fraud. There is no unsubscribe button on her emails. 

Thank you,
Consumer complaint received 2023-02-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : MXXXX 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Decided to visit local owned dealership XXXX XXXX XXXX XXXX in XXXX county Texas to purchase a XXXX on XX/XX/XXXX at XXXX. 
When arrived explained pre approval amount {$30000.00} from personal bank, requested purchase order for Capital One Auto Finance Group. Sales representative then mentioned the vehicle requested to purchase was not located on their lot for sale. Therefore pre approval amount would not qualify for a brand new vehicle, was not enough to cover additional fees. Then was told to choose a used vehicle just one year newer then my trade in to  mention they would not be able to give me enough value for my trade to purchase a second vehicle loan since I had a pre approval, then they mentioned to shop for a lower rate through their financial leads & organizations that they were affiliated with. After 2 days and several hours later after closing time XXXX on XX/XX/XXXX I only qualified for XXXX XXXX XXXX with XXXX miles to approve lower interest rate. They gave me the keys, I signed a purchase contract agreement after I was given an alcohol beverage to com me down since I seemed stressed about my current auto purchase. I then initialed my paperwork, was not given a customer copy, after 4 days later made appointment with owner after XXXX  complaint, received an apology, was told paperwork was as written and final, received printed copy, disagreed with the interest rate 12.7 % after approved for 9.6 %, was mentioned from owner additional finance charges for service contract, dent repair contract, preservation package, and additional security package. Now I have an auto loan that does not fit into my budget with no room for negotiations ... ..please advise? Please notify consumers to take precautions that this dealership might not be able to abide by per approval loan agreements.
Consumer complaint received 2024-04-03
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: DISCOVER BANK (WA)

There was a hard inquiry on my account that was prompted by fraudulent activity. I never applied for a home loan with a discover card! I was not in the market for a new house. There was malware or something on their website that caused this. They admitted wrong and promised to correct the issue. They said it would take XXXX months for my credit to be repaired. This has never happened. I waited XXXX months! The hard inquiry is still on my record! I talked to someone on XX/XX/2024 and they talked around in circles for an hour. I DID find the original letter. I attach it.
Consumer complaint received 2023-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (GA)

I have been contacted by Capio Partners via mail and telephone regarding medical debt that I have no knowledge of. On XX/XX/2023, I requested verification of the debt to include, but not limited to the original contract giving rise to the debt and other documents to support the debt as I have never received a bill regarding this alleged debt. Capio Partners has failed to provide me with the original contract or services rendered that resulted in this debt. Instead, they have provided me with a simple statement of the debt with no letterhead or records from the original creditor.
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

My truck was stolen in XXXX, which had my purse, my checkbook and all money I had on hand. Went to the cash store and asked to do smaller payments instead of XXXX every two weeks, was told there was no way to do that. Asked if I could pay a XXXX a week until paid off was told no that I had to have the XXXX every two weeks. I have no way to pay for this when I am still having to pay all the other bills, on top of that had to buy plane tickets to get home from XXXX, plus extra nights in hotel to wait for police report, XXXX  XXXX  etc. didnt wan na leave XXXX without knowing for a fact I wouldnt get my truck back. I had to close my accounts to all banks and credit cards. I just needed them to work with me, since they wouldnt I couldnt put the loan like they wanted.
Consumer complaint received 2020-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2023-02-06
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Consumer complaint received 2020-03-09
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 — Their investigation did not fix an error on your report
Company: ONLINE Information Services, Inc. (OH)

This complaint is regarding the $ XXXX bill from XXXX XXXX XXXX XXXX XXXX , Ohio address on XXXX XXXX XXXX XXXX in XXXX. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease. 
This did not happen until two months later and now I'm seeing this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and Online Collections both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the Online Collections  and XXXX XXXX.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

RECEIVED A LETTER FROM CHASE SAYING ... 

" AFTER CAREFUL CONSIDERATION, WE CLOSED YOUR CREDIT CARD ACCOUNT ON XX/XX/2020, BECAUSE OUR AFFILIATE IS ENDING THEIR BANKING RELATIONSHIP WITH YOU. '' I SPOKE WITH CHASE BUT THEY WOULD NOT GIVE ME A REASON. 

I NEVER EVER MISSED A PAYMENT AND HAVE AN EXTREMELY HICH FICO SCORE OF XXXX. I HAVE MULTIPLE CREDIT CARDS WITH VERY HIGH LIMITS, OVER {$70000.00} THE BALANCE IS VERY SMALL, LESS THAN {$300.00}. 

THEY WILL NOT DISCLOSE WHY THEY CLOSED THE ACCOUNT.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

The Care Credit closed my account XXXX XXXX XXXX XXXX because an unfair reason. 
They said I missed a Mortgage payment with XXXX XXXX. Everything is already fixed since XXXX and because of XXXX mistake I have an Account closed and another account with a Credit Limit decreased - this one is the Care Credit XXXX XXXX XXXX XXXX - they decreased my Limit from {$6500.00} to {$790.00} ... all this because a mistake of XXXX  loan. Everything is so unfair. I had my Credit score low for some weeks, but I disputed with XXXX, XXXX and XXXX- It's all clear since XXXX.
Consumer complaint received 2020-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, we received an alert on the Positive Pay Exceptions, a Citi Bank system to detect irregularities, for one of  the checks ( {$200.00} ) issued by my employer indicating a duplicate presentment of a check on XX/XX/XXXX, asking our action to take. We immediately requested " Stop Payment '' via the online banking. With regard to the Positive Pay Exception, the said check was issued to one of our colleagues. 

The check was physically deposited with the original paper document by the employee, not via the check photo, at which the custody of the original document transferred to the bank for further processes. The colleagues bank is also Citi. We asked Citi to investigate the incident and inform us of findings. The response was, " With the increased use of check scanners and banks allowing photos of checks in order to make deposits, Citi does not physically receive checks in most cases. When the depositor retains control of the check, it is not unheard of for checks to be presented more than once. I have requested that the duplicate posting be reversed and will let you know once that is complete. Please let me know if you have any questions. '' However, this comment was totally irrelevant because the deposit was made with the original paper check. Even though there was no monetary damage caused to us, such an attempt for duplicate presentment of checks is a matter of grave significance. If there was a malicious person who purposely made an attempt to encash a check twice, it could be a crime. I would like to report this, hoping there will be additional investigation or corrective action, if any, to be taken.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have used 5/3 Bank for mortgage, different loan, for over 15 years. Late last year I started to have major problems with the bank related to an escrow which they open without my knowledge. Due to this issue I had unapplied funds and late payments as my monthly payments did not match up with the new amounts. I filed a complaint about this as at the end {$1800.00} is missing from my account and no one has yet provided an explanation of where the money is located. 

I have always paid my mortgage before the end of the grace period which is on the XXXX of the month. However, since my complaint, I am now getting calls from the 5/3 collection group by the first of the month asking for my payment even though technically not late. I asked them to stop these calls but they are saying that this is their procedures. In my mind, this is retaliation and harassment for the previous complaint. 

Need help to stop this retaliation and monthly harassment.
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NC)

I went to XXXX XXXX in XXXX nc to test a car on XX/XX/2023. I was asked to give my information including address and social security number. I wasn't advised that they would check my credit but I had an alert pop up on my XXXX XXXX app that they did check it. I never gave permission for them to check my credit.
Consumer complaint received 2020-03-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CT)

In XXXX of XXXX I received letters in the mail stating that I owed Property taxes on my car. The total of taxes owed was {$1800.00} for 3 years worth of back taxes. My car is leased so the company pays them directly to the town and then I pay them back with my car payment. I promptly mailed in paperwork showing that my taxes had been paid and I did not owe the money. A few months later I realized the charges were still on my account so I called the company and they claimed they never received my paperwork in the mail so I then proceeded to fax it to them on XX/XX/XXXX. They told me it takes 72 hours for faxes to be uploaded to your account so I called back a few days later and they claimed they had not received my fax. I then faxed the paperwork again on XX/XX/XXXX as well as sent the paperwork via certified mail on XX/XX/XXXX. I called back on Monday  XX/XX/XXXX because I had gotten a delivery confirmation of my certified letter. They stated that none of my faxes had been received and my certified letter would take up to 3 days to be uploaded to my account. At this point I asked to be transferred to the escalations department. The lady then tells me she is not sure why none of my paperwork has been received, but she will send me an email from a secured email address that I can send my paperwork to. I sent the paperwork on XX/XX/XXXX and called back on XX/XX/XXXX. At this point they tell me they finally had received my paperwork a few days prior, however, they need more information because the secondary taxes that were put onto my account were from a different town than the one I had originally paid my taxes to, so essentially the leasing company had paid my car taxes to two different towns. On XX/XX/XXXX I faxed and emailed over more paperwork showing that I did not live in the secondary town and my car was insured and registered in the original town I had paid to for the past 3 years. I called back on XX/XX/XXXX and again, they told me they did not receive anything but to try and email it again. I then emailed the paperwork to them once more and called back on XX/XX/XXXX. On this date they told me they still had not received my supporting documents so I ask to be transferred to a supervisor. When he gets on the phone he tells me he is not sure why nothing is coming through and gives me another fax number to send my documents to. I tell him I will try to fax the paperwork again, but would also be filing a complaint at this point.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Several letters have been sent to all 3 credit Buearus in reference to these accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters since XXXX of 2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of report.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PROFESSIONAL BUSINESS BUREAU INC (OH)

I signed for a bond for my husband. Three months after I signed the bond we moved to another address. I informed the bond company of the address change as soon as I moved. He then went on the run. We were separated at the time of him being on the run. When I was made aware of him missing court, I called the bond company and made arrangements to bring him into the bond agency. I turned him in as agreed. The bond was then rewritten in someone else 's name. I was never told about any money is due. I started clearing up my credit and notices the debt on my report for the amount of {$2100.00}. I then contacted both the collection agency and the bond company to resolve the matter. I was told that information was sent to my old address and I missed the timeline to keep it from going to collections. I was told the total debt owed was a reduction and never given an amount of the original debt. I then contacted legal-aide and was told to request a copy of the invoices for the debt that I allegedly owed. I received a response saying that they don't do a formal invoice. The bond company sent me the paperwork that they said they sent to the old address. The paperwork had many different amounts on it. I then contacted the collection agency and told them that the information given to them was incorrect. The collection company requested the same information and was given different documents. They were given a canceled check with the amount of {$3300.00} with only my husband 's name on it. Another red flag about the debt. I have been trying to get someone to listen to me on why I don't owe this debt. The paperwork is all fraudulent. I turned him in as agreed.
Consumer complaint received 2020-03-10
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. (FL)

My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed asXX/XX/XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc. (CA)

In XX/XX/2019 I visited visited my doctor using my health insurance. In XX/XX/2019 I became unemployed and reached out to their billing office after receiving a bill from XXXX XXXX XXXX XXXX which did not specify the reason for the outstanding charges and because I had also become unemployed and the {$50.00} debt was a burden and couldnt pay in full. 
However, I never received a call or email back. In XX/XX/2019 i received another notice and paid {$25.00} of the {$50.00} owed because i was still unemployed. In XX/XX/2019, I received an email indicating my payment plan was completed and No further payments needed to be made. I am now, again getting charged {$25.00} by RSI Enterprise , Inc on behalf of XXXX XXXX XXXX XXXX but unsure for which account but assuming for the same one since they reference a service date of XX/XX/2019. This collection was sent to RSI on XX/XX/2019. My original account number with XXXX XXXX XXXX XXXX was XXXX. 
RFI reference number is XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My birthday is listed wrong on credit reports. I was born XX/XX/2000. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX
Consumer complaint received 2023-02-06
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. (CA)

when I went to the car dealership I was trying to apply for a car. 
I told them only to do XXXX XXXX XXXX. 
But however, it was seven hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I clicked on a link that was advertised as a free online credit report, I requested a credit score report from TransUnion on XX/XX/XXXX. They charged me for {$19.00} without asking my permission prior to my request submission. I was not aware their service is not free of charge. I cancelled my subscription immediately. Now, I want a refund and make sure they cancelled my account and don't keep my records.