davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AR)

I have a Direct Express debit card that my XXXX benefits are automatically deposited to and I purchase things occasionally online with it. In XXXX I purchased a swimsuit with it that I never received and I also had 2 charges that I did not recognize, 1 on XX/XX/2020 for {$12.00} and another on XX/XX/2020 also for {$12.00} both of which I had no idea what they were for so I called them and started a dispute. I did everything that I was supposed to do but for some reason they did not find in my favor and they closed out the dispute leaving me to try to resolve the problems on my own. Well so far I have had no luck contacting the company that I ordered the swimsuit from. I have 2 telephone numbers but neither of them work. And the company that the other 2 charges were from claimed that I joined some VIP membership club with them when I placed an order with their company but when I asked them to provid me with copies of where I agreed to become a member they said they would refund my money. But so far they haven't done so and that was at the XXXX of XXXX. I feel that Direct Express did not do their job when I filed my dispute with them about these charges on my card and they just left it to me to try to resolve them. They told me once closed a dispute that there was nothing else that they could do and that I would have to contact the merchants myself. Now how am I supposed to do that when they have no working telephone numbers andvthey won't answer any of my emails except to tell me that I applied for a membership to their cup club which I did not do.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/2020 my vehicle loan with KIA MOTORS FINANCE was paid off in full, after the loan was paid off. KIA MOTORS FINANCE decided in bad faith to charge off without any balance the loan and immediately reporting to XXXX XXXX and XXXX the Charge off. 
On XX/XX/2020 I contacted KIA MOTORS FINANCE of this discrepancy and told them the account has been paid in full, to please correct the information. On XX/XX/2020 they reported on the credit bureaus the loan as paid in full/Charge off which is still false information because it is paid in full the was no amount charged off. 
On XX/XX/2020 KIA MOTORS FINANCE again put false information on my file again they put the Charge off again in the amount of {$12000.00}. When they were paid {$12000.00} on XX/XX/2020. 
Another false reporting on my credit file is the date of the last payment was XX/XX/2020 when it was actually XX/XX/2020. 
The damage the was done I applied for a loan and was denied because of KIA MOTORS FINANCE misrepresentation reported to the bureaus.
Consumer complaint received 2020-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2018, XXXX XXXX numbers got compromised on Synchrony Bank 's end and even though I never lost my card, the bank went ahead and replaced it with a new card that had a different number which was okay. A month later I noticed Synchrony Bank reported the replacement card as a different account on all my three major credit reports, while listing the cancelled card as a closed account. This is a huge mistake since I only opened and signed for one XXXX XXXX with Synchrony Bank and they should only report a total of one account to the credit bureaus and not two. I had other cards issued by Synchrony Bank replaced due to fraud and never reported twice. 

I attached a picture of my XXXX  credit report as of today showing a clear duplicate listing of my XXXX XXXX and that's how it's listed on the other two credit reports.
Consumer complaint received 2020-08-08
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: DISCOVER BANK (GA)

I have a loan with XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX, DISCOVERBANK, and XXXX/XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ), DISCOVERBANK, and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-08
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: TRUIST FINANCIAL CORPORATION (GA)

I have a loan with XXXX XXXX, US DEPT ED, and REGIONAL ACC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, US DEPT ED, and REGIONAL AC with no successful resolution.  There was definitely an error on their part.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (TX)

I am a customer of TDBank credit card and on XX/XX/XXXX or XXXX called them regarding the deferred Covid-19 payment option which was advertised on their website. I was found to qualify for the program and they allegedly informed me the next month I would not have to make any payments, only in the beginning week of XXXX which covered their 90day period. I was informed that on the day and month that I called, XXXX that I needed to pay whatever balance due on my account which I did. The issue is that the following month after I was allegedly enrolled in the deferred payment option, a balance due of XXXX dollars was shown in my online statement. I called them and they stated I do not need to pay it, and according to the TD representative at the time that it was probably a computer glitch as the amount should have been XXXX I actually paid that balance due of XXXX despite their assurance and my fear was that they could report me to the credit bureau if the payment didn't post. The next month was the same issue, and I called again to inquire about why do I have a payment due when they enrolled me in the deferred payment option and the TD representative reply was the same as the other one from a month prior which is to disregard and don't pay it. The following month which is this one, XXXX came and I saw another due date for XX/XX/XXXX for XXXX dollars and I called them concerned that I have been taken advantage of and told them what is going on, wasn't I enrolled in this program or not. Her reply which was on XX/XX/XXXX was that I now needed to pay the XX/XX/XXXX balance as the deferred payment option only covered until XXXX. I was irate and respectfully mentioned to her that it ends in XXXX not XXXX. The phone connection either on her end or mine was suddenly disconnected and I called again and this other TD Bank representative said no that the deferred payment option for me ends in XXXX. Not only this is confusing, either deliberately on their part but the issue at hand is that I ended up paying them for those 3 months and the balance on each month was always XXXX and despite their assurances there was no XXXX balance due but an amount which I had to pay or they could of reported me to s credit bureau. This deceptive advertising on their website to help those during this pandemic has made me question their tactics and what they have done is deceive those into paying them instead of having a supervisor or someone send an official letter stating this.
Consumer complaint received 2020-06-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NC)

On XXXX I called & applied to refinance my home. Simply wanted to get cash out from 60 % equity I had. 
Dealing with PNC has been a nightmare! 
Ended up with a Home Equity Installment Loan at 4.24 % interest. First letter states 4.04. Todays interest rates are around 3 % The mortgage I refinanced is in XXXX XXXX XXXX XXXX name at PNC. Both of us have excellent credit. 
Must have made 15-20 voicemails & phone calls to them & most of the time no response. 
I believe PNC does these home equity loans to make more money. 
Ive had 10-12 mortgage in my life. Five rentals non-owner occupied. Never misleading like PNC.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I have been recently been going over my credit report and finding things that do not belong to me. I just recently started checking my reports because my info was compromised in the XXXX  data breach. Every time I have sent out for this company to send me proof this is my account by sending me any contracts or agreements they have bearing my signature they send me an old bill from the original creditor stating this is there proof to validate my account being mine. I haven't gotten anywhere with XX/XX/XXXXhaving them get me the proof validating the account to be mine, XX/XX/XXXXcontiues to say the account is mine. If there getting the same " validation paperwork '' to prove the account is mine then they are reporting bad and wrong information about me on my credit report. I started sending out the disputes to this company since XX/XX/XXXX I would like you to see into this for me, I want to see a contract bearing my signature or delete it please.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NV)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/20 I received a call from your XXXX XXXX XXXX, a debt collector. XXXX stated it is a XXXX XXXX XXXX account with an outstanding balance of XXXX. I told her, we never received the cards nor any statements. 
In further discussing this issue, I discovered from XXXX said communication was sent to our street address in XXXX, CA. We do NOT have USPS delivery to our home as we live in a rural area. What became of your communication is anyones guess. When asked, XXXX stated she has no idea what the amount encompasses and has no access to the details, and to contact Comenity Bank. 
The same day, I contacted Comenity bank and sent them a letter and to this date, have not heard back. 
XXXX, I received another call from XXXX, XXXX. This time, I told her I am officially disputing this amount. She said she noted it and we should receive communication from MCM. 
We heard nothing until today. A call from XXXX XXXX at XXXX. He had no record of the dispute and insisted we are ruining our credit if we don't pay. I went round and round with him until I finally ended the call. I repeatedly stated, I can not act to resolve this situation until such a time I receive detailed account information. Merely presenting me with a sum, is NOT acceptable as I can not verify the charges. 
I am now frustrated beyond words and is requesting your assistance in this matter.
Consumer complaint received 2020-06-16
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. (MS)

The following information is fraudulent. Enclosed is a police report and FTC Identity Theft affidavit. The following items are due to fraudulent activity - XXXX XXXX, {$2200.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX XXXX XXXX, {$4500.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX, {$130.00}, Collection.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Negative accounts are being reported on all three of my Credit Reports : Experian, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2020-06-16
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. (OK)

Late in XX/XX/2020, I was informed via XXXX XXXX that an account of mine had gone for collection notice. I reviewed the Equifax report, I noticed the following : A company called XXXX had sent a collection agency notice to Equifax Equifax downgraded my score by many points 17 ( points pus ) There was an option where I could dispute the collection notice. 
Before I opted to dispute the credit reporting. I researched the source of the filing It appears that the original creditor was XXXX XXXX XXXX on an account that was opened in XX/XX/2020 for apparent cable connections o A balance of over {$300.00} was due I called XXXX and they had no reference on my name tied to any account I called XXXX XXXX and they had no reference on my name tied to any account I opted to file the dispute because I have no cable service. Opened an account with Equifax for the filing of the dispute NOTE : Reviewing and taking the above action steps took about 4 to 5 hours of my workday. 


On XX/XX/2020, I get an e-mail from Equifax stating that the dispute claim findings had been completed. The findings were the following : The results of the dispute were the following ( copied and pasted from e-mail received ) There was nothing asked of me to confirm debt, or anything whatsoever to the review filing, debt, etc. 
I have no idea what the purported re-investigation consisted of. 
o I ask that I be provided the proof of linking me to this account On XX/XX/2020, I called XXXX 3 times. 
o The first time ( a Ms. XXXX ) advised me ( after not being able to find my physical address ) that they were removing my phone number from collection calls because I did not owe them anything. 
FYI - I was never getting collection calls o The 2nd time after the phone call was failed I am again told that there my name is not tied to anything with XXXX or XXXX o The 3rd time I speak to a Ms. XXXX who told me to call back on Monday After the XXXX call, I call XXXX XXXX ( after researching that they are the XXXX division behind the original debt. 
o XXXX XXXX was very friendly and courteous to the extent they could be. 
o XXXX told me that they could not find any link to my name with my address ( or known addresses ) Finally, seeing that I was not getting anywhere where with these companies, I opted to file this claim with the State of Oklahoma. 

On XX/XX/2020, at XXXX XXXX CDT, I decide to view my credit card details, and it appears that a company called XXXX XXXX XXXX is now listed as the creditor. 

On XX/XX/2020, throughout the day, I spoke to XXXX  and I spoke to XXXX ( XXXX XXXX ) where I got nowhere with either company. Each company asked me to get the information from the other company, but neither company could provide any detail supporting the debt that was reported. 

I need help getting this cleared, or getting to the bottom of this. 

Respectfully,
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.
Consumer complaint received 2022-10-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (IL)

On XX/XX/22 I called Westlake Financial and spoke with a representative about a recent Auto Loan inquiry from date of XX/XX/22. I am being discriminated against. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as im being told it is. I'm basically being denied credit unless I'm willing to put up {$10000.00} cash first. I expressed to them that this car is for personal, family and household purposes and that it was a consumer credit transaction. To deny me credit based on not being able to put down {$10000.00} is unethical and unfair and it's against the law. Pursuant 15 usc 1662 no advertisement to aid, promote or assist directly or indirectly may state that a down payment is required in connection with any extension of consumer credit, unless they normally arrange payments in that amount. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 usc 1692 and is pursuant to civil liability under 15 usc1692k. Westlake is willfully and knowingly giving false and misleading information while also discriminating against me which is a direct violation of 15 usc 1611. According to 12 usc 1431 banks are in the business of borrowing money, issuing bonds and debentures as well as purchasing notes. Pursuant 12 usc 83 it says no national bank shall make ANY loan or discount on the security of the shares of its own capital stock, meaning they are not loaning the money for the vehicle. So, if the bank would be purchasing my wet signed contract from the dealer ( promissory note ) and borrowing it to fund the loan that would make me a creditor. Pursuant 15 usc 1605 credit is the right granted by a creditor. A creditor is referred to as a person who regularly extends, whether in connection with loans, sales of property, or services or otherwise consumer credit payable by agreement. Denying me my right granted as a creditor is a direct violation of the law. Furthermore, because my social security number ( Creditcard ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of WESTLAKE FINANCIAL. Value was given but value was not returned. I have proof of this unauthorized use of my credit card.
Consumer complaint received 2020-06-16
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. (CA)

I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.