davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (CA)

XXXX XXXX rental reporting agency said that XXXX XXXX Rental Management agency has the rest of my credit score needed to report to the three credit bureaus to give my credit score back to me at the credit bureau. Then while rent track was working on getting my score back to the credit bureau XXXX XXXX said they needed the apartment back by next month to make more money on the renting out of the apartment for their new property management. Then they said we had a perfect reference from them for a new apartment and their was no other reason they asked us to find a new apartment by next month. But they didn't mention they were holding the rest of our credit score from the credit bureaus and who would rent to us in such a short amount of time without our credit score being returned to the credit bureaus but they went on to do remodeling and making more money without returning the rest of our credit score to the credit bureaus in time. We asked the new apartment people if they would rent to us and they said yes, all we need is the rest of our credit score and they will immediately have an apartment ready for us. And the job people have our job ready for us like they always do and XXXX XXXX XXXX is forcing us to delay are In XXXX XXXX workday with our pay stubs and paychecks already ready on schedule. And my XXXX and roommates are forced to be delayed for housing and care without the credit score being returned to the credit bureau from XXXX XXXX is what Rent Track Rental Reporting Agency notified me of. How long do we have to wait for our credit score to be returned to the credit bureau before XXXX XXXX causes us unnecessary pain and suffering for their own monetary benefit with our credit score. We are requesting are credit score being  returned as soon as possible and to be compensated for unnecessary pain and suffering as long as their causing us to wait for the credit score to be returned. XXXX XXXX. Waiting for score to be returned at XXXX XXXX In care of XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, CA XXXX. Will be at XXXX XXXX XXXX, XXXX XXXX CA XXXX until XX/XX/2019. XXXX XXXX. XXXX. ( XXXX ) XXXX. I'd theft fraud report with the credit bureau.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MD)

XXXX - complaint # The feedback I received on my initial complaint was that the collection agency submitted documantation to me by mail and thats not correct. I havent received anything to date. I want this matter resolved or Ill have to take other legal measures. The amount thats trying to be collected is the wrong amount and I have no intension on paying it at anytime. XXXX stayed before my current address is included in this complaint and I havent received anything. This is a stall tactic and the clock is ticking.
Consumer complaint received 2022-12-16
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-16
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. (NC)

This is my follow up endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. 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 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
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/year>, I deactivated a Bank of America credit card. Since then, I received a new card with a completely different account number. 

In XX/XX/year>, I made my first payment on the new card, {$850.00}, but for some reason, the payment was applied to my deactivated card, which had a XXXX balance. I contacted Bank of America, asking them to either refund the payment or transfer it to my active account with a balance. They informed me that the transfer would take XXXX days or more, so I opted for a refund instead. XXXX days have passed without a refund, and when I followed up, I was told it would take XXXX business days to correct their mistake. 

I urgently need my money back, as I had to make an additional {$800.00} payment to the card that should have been paid to begin with. It's troubling that I can still make payments on my XXXX deactivated cards. Why am I able to pay on accounts that are closed and have no balance?
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

American Express has a protection. Tried to leverage the protection to which they denied. Closed the account on the spot. Made the final payment in full and verified with the customer service rep that I dont need to worry about this account moving forward. They confirmed. 
Then I get a couple emails about statement balances. Assuming it was the forward balance that was already paid off including pending charges. 
They eventually charge me interest and garbage fees that they wont reverse because the account is already close. 

They wont give me any insight because the account is closed.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

For over SIX weeks now, I have been unable to access both my business and personal accounts with PNC Bank after the transition from BBVA. I have access to each account individually but can not transfer any funds between the accounts since early XXXX. I have spent 3 hours in the branch and spoken on the phone with multiple supervisors and escalations departments in personal banking, online banking, and business banking. These conversations have totaled approximately 15 hours of time with ZERO results. The only answer is that accounts have been linked correctly, and now they are just waiting for their computer systems to process the change so that all of my accounts can be seen under one online login ( which would finally enable me to transfer funds between my business and personal accounts ). However, their computer system has not completed anything in over 4 weeks now. I am hearing this is happening to THOUSANDS of clients that had both business and personal accounts with BBVA that transitioned to PNC. This is unacceptable and has become a detriment to my business since I can not transfer funds between the accounts.
Consumer complaint received 2022-12-16
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. (DC)

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Effective Type Amount 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  navient was the loan servicer for this loan servicer. Also as you can see that my XXXX XXXX was taken and I was not notified that these garnishments were taken out of my check and also the XXXX XXXX were also in my late husbands name as well as mine. XXXX XXXX XXXX. I did not know that our XXXX XXXX was going to be taken from me as this XXXX XXXX was in both me and my late husbands name at the time of the garnishments
Consumer complaint received 2019-07-25
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. (TX)

I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was unconscious for two weeks in a coma and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, CREDIT XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Leased a 2013 Toyota Camry from Toyota/XXXX Toyota XXXX for 3 years, then purchased same vehicle. I was charged a total of {$560.00} for retitle of this vehicle, it was already titled, registered and insured XXXX, but dealership insisted that it be retitled first XXXX, then again XXXX resulting in fees totaled {$280.00}, but {$560.00} was added to my new loan. I have repeated requested a refund of the overcharge of almost {$250.00}, but still want to know if it was legitimate to insist on a whole new title and tag, or could it just have been a transfer of some sort. Toyota still maintains title to the car
Consumer complaint received 2024-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Spring Equity LLC (PA)

On XX/XX/year> I applied for a HELOC with Spring EQ LLC. I spoke with representative XXXX XXXX # XXXX. I gave my information to run my credit through XXXX only. When he called back, he told me my score was XXXX and needed to be a minimum of XXXX. I called XXXX on XX/XX/year>, and the representative confirmed that my credit report had a score of XXXX. Now I have a hard inquiry on my XXXX report for a loan I qualified for but was denied by XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

I have relocated to another state and have been trying to get my car title transfer in the state where I currently live ( XXXX XXXX. The XXXX  DMV has asked for a copy of the original title from XXXX  ( where I used to live ) to complete the titling process. 

I have been in contact with Kia Motors Finance since XX/XX/2021 and have made several attempts for them to either send me the requested document ( so that I could share with the DMV ) or have them send it to the DMV directly. I have been unsuccessful in getting this ( fairly simple/routine request ) done and have wasted hours of my time. 

The Kia Finance representatives have continued to lie to me, each time convincing me that the issue has been taken care of - while the DMV 's records are still showing otherwise.

This issue has caused me harm as I was informed by the DMV that I woildnt be able to sell the vehicle until the title rransfer situation has been sorted out.
Consumer complaint received 2019-11-22
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. (MI)

I am an Experian member ID XXXX. Experian is reporting a Medical debt from XXXX XXXX in the amount of {$500.00}. XXXX XXXX has been paid and stated all three credit bureaus have been contacted and to update and delete. XXXX  sent me a letter stating deletion. Will attach. Only Experian after disputing refuses to delete. 
Experian has 2 inquiries on my credit report past 2 years old. Online Experian states can not dispute online. I have called numerous numbers can not get a real person on the phone. 
Experian has recently reported a late payment from XXXX on XX/XX/2019. I have not had XXXX for 4 years. No contact with XXXX. They have allowed XXXX to report this now my account has been reset to XX/XX/2019. There is no contact or payment arrangement with XXXX. Yet Experian continues to update.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to Trans Union. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from XXXX with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (IL)

There were multiple charges on my card which I disputed with the company and as of today the charges are still being presented. And i was told it can take up to 5 days at first but now I'm told something different.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I currently have a TD Bank credit Card, I went to the local TD Bank and attempted to make my payment to them. Their offices was closed due to the COVID 19 pandemic. I called TD Bank and tried to make a payment over the phone. I tried to make a payment online and they had froze my account and refused payment. 

I did speak to a rep on the phone and they claimed they would remove Eventually, the account was unfrozen. But now I have am showing a late payment for XXXX and XX/XX/2020. This was beyond my control due to the COVID 19 pandemic. I have been disputing these late payments for these reasons, and TD Bank has NEVER responded to my dispute letters. I don't understand how is this my fault when everything was closed down due to the government orders.
Consumer complaint received 2023-02-21
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; BANK XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK NA Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2021-11-15
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. (FL)

I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's Transunion, XXXX and neither XXXX. Please help!
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've been denied Power of Attorney after multiple attempts, with a legitimate document, Friday, XX/XX/2022 The manager tried to assist me with my POA which included a full stop affidavit recommended by my lawyer. The legal team responded that I needed a note from the court, which I assumed was guardianship. All Im trying to do is the required minimum distribution for her IRA so my mom can maintain her pooled income XXXX  trust. I have been stopped at every turn and met with suspicion. I dont want other people going through this challenging situation to have to deal with this on top of everything else XX/XX/2022 The employee ( name ) at the XXXX XXXX XXXX XXXX branch was unhelpful and suspicious of me. My mom was in XXXX  and couldnt come into the branch. He stated that I didnt have the original copy. I went home and found the original and returned. Then the legal department wrote a note saying it was denied because the POA wasnt valid with no explanation.
Consumer complaint received 2023-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Our Complaint is about Amerihome Mortgage company They are holding uncashed checks racking up late charges and penalties. 

on XX/XX/XXXX a check for XXXX was sent to Amerihome mortgage along with a check for XXXX monthly payment. They cashed the XXXX check on XX/XX/XXXX and we placed the balance of the Mortgage on XX/XX/XXXX as well. the XXXX made it to our mortgage payment but the XXXX never made it to pay off our partial claim. that check has disappeared and the XXXX dollar payment that we placed never made it to the proper month. it was placed on XXXX payment and not XXXX payment. We called and had then change the XXXX several times and it still has not made the XXXX payment. We are also missing XXXX for XXXX payment and XXXX for XXXX payment aws well. We know they are receiving the checks because the XXXX one was cashed. we need help and dont knwo where to go.