davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On  XXXX   XXXX , I suffered a total loss  of Vehicle w hile account was delinquent. My insurer,  XXXX   XXXX , paid the the total outstanding balance on said vehicle after declaring it total loss. The insurer sent secured payoff to bank on  XXXX   XXXX ,  XXXX .   XXXX  Item was disputed to  XXXX  on  XXXX ,  XXXX  and many times before that. On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   AGAIN  reported to  XXXX  that debt was still in collection, with {$4500.00} outstanding and {$320.00} past due.   XXXX  A previous c omplaint ( Complaint Number   XXXX  ) was filed against   XXXX    on  XXXX ,  XXXX .
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

i already have an acct with capital one. i was approved for another credit card. they then restricted both accts. they asked for XXXX months bank statement. I uploaded it. they didn't review it for an entire mth, so they refused to unrestrict it until i sent XXXX to XXXX statement they asked for another bank statement for XXXX to XXXX after they advised me XXXX to XXXX would be useless because its not the latest statement. I uploaded it. they now called and stated they want a bank statement from 3 mths ago now. I have supplied them pay stubs and bank statements multiple times and they refuse to unrestrict both my credit card accts after they verified my identity. it clearly isn't fraud
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

Although I had an credit account with PayPal for over ( 10 ) years and never missed any payments PayPal closed my account without any warning or notication and now refusing to reopen my account.

According to Paypal the account was closed due to a return piece of mail which I explained I moved and mail was supposed to be forwarded. I immediately provide a new address and updated the account but was told Paypal is not reinstating any accounts at this time without explanation.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I contacted this agency on  XX/XX/XXXX   . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX   Who is currently my finance company and always have been since  XX/XX/XXXX ! I attached copies of my   XXXX   XXXX   documents!  Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander  consumer is fraudulent!! They are keeping me and my children from home ownership!
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXX Opened : XX/XX/XXXX Balance : {$1400.00}.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

At the top of COVID 19, I was unemployed and looking for work. I informed XXXX XXXX that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. XXXX XXXX still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.
Consumer complaint received 2018-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( XXXX ).  The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from Hunter Warfield is not mines.

COLLECTIONS Hunter Warfield Inc Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation.
Consumer complaint received 2017-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX   XXXX  reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma (WA)

My complaint is with CREDIT KARMA MONEY SAVINGS ACCOUNT. This company fraudulently lies to their members and holds the members money by using an outdated federal reserve requirement as the excuse. First they only allow XXXX transfers a month from a savings account and blames it on the federal reserve. Next in order to get your money out of the savings account it states you must close your savings account but before you do that you must link an external bank account so once they close your account the balance will be transferred to the linked external account. They state the balance can not be transferred to your money spend account which is like your credit karma checking account. While linking your external bank account they use a company called plaid to do the linking. First plaid asks you to find your bank in a list of supported banks. In my case it is chime bank which is on the list. Then it asks for you login credentials for your bank account and then it links the two. When linked it states SUCCESS your accounts are linked press continue once pressed it says there is a problem linking and an error message is shown saying try again later. No matter how many times you try you get the same message. Contacted XXXX they said problem is not on their end must be XXXX XXXX. Contacted credit karma and they reply with instructions to try again and they are looking into it. Then they reply again saying that XXXX  is not a supported bank and I explained that plaid stated if your bank is not on their list it's not supported but chime is in their list and the bank account links up then error message. So contact them again and they ask for ne to take screen shots and send them to them and once you do send them all correspondence stops completely. So I call credit karma and tell them that they are wrong for holding people 's money in the savings accounts and wont let them do anything with their money and using false information to back their fraud up and I tell them about the federal reserve requirements being lifted in XXXX of 2020 and demand them to resolve ny issues and the customer service rep tells me she can close my savings account for me and transfer the balance to my credit karma money spend account. I told them they just went against all their policies and said they would do what they said they couldnt do to thousands of members. I have screenshots if all the proof of the chime bank being linked and federal reserve requirement being lifted and the credit karma message saying you are only allowed 6 transfers because the federal reserve only allows that many a month. Doing research on this I have found thousands of consumers on blogs and posts trying to get access to their .money only to be lied and cheated by this company.
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

This company have send collection to my credit report not once but the same account three times as  well as others collections by BULLCITY FINANCIAL SOL send I am not liable for collection of debt from BULLCITY FINANCIAL SOL. I am not responsible for this debt. I have sent disputes to the credit bureaus with no resolve.
Consumer complaint received 2017-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been asking for written verification from Experian credit bureau in reference to an account from pen air that they are reporting ... it has been more then 60 days and all they tell me is that it was verified but can not/will not provide me with any information as to how it was verified and refuse to remove it from my credit file. Both   XXXX   and  XXXX  have already removed this account from their files but Experian will not even provide me with any type of verification. This is severly effecting my abilty to purchase a home for myself and daughter as i am a single mother im sure you can understand why i am so concerned with this matter being handled in a timely matter. Thank you in advance for any help you can give me in resolving this matter
Consumer complaint received 2016-04-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

An assignment of deed of trust was filed in XXXX County land records office in XXXX XXXX. The document was signed by XXXX XXXX as Assistant Secretary of XXXX XXXX XXXX, formally known as Option One Mortgage Corporation. Since XX/XX/XXXX, we have been asking American Home Mortgage Servicing XXXX Inc, now known as Homeward Residential, to provide evidence that XXXX XXXX XXXX, NA as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped.
Consumer complaint received 2022-03-12
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. (LA)

In accordance with the fair credit reporting act XXXX  : XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

We spoke with Pennymac about mortgage rates and got a quote that sounded better than the one we had and were working on ( in the application process ). <P/>The first thing the guy wanted was our credit card for the appraisal. We did n't even have an application or Loan Estimate from them. But he said this was required before other steps could proceed. We gave him our credit card info. <P/>It was days before we got any other information from him, and we decided not to go with him because we had an uncomfortable feeling dealing with him. The Good Faith Estimate had fees that had jumped way above what he had quoted us. When we next spoke to him, he did n't speak in specifics but more in vague generalities and this put us off. On the evening of XX/XX/XXXX, our real estate agent emailed us saying he was unaware that we had swapped lenders. We told him that we did not change our lender. Although the Pennymac guy had sent us links to his application but we did n't sign it. Because of our deep discomfort with this guy, we did not commit to using Pennymac. A few days later, he called to ask what was up. We told him that we were going with another lender. At the end of this conversation, he said something about our calling to stop the appraisal - or something like this. The gist was that we had to do something in order to stop an expense to us. My wife 's recollection is that he had said that he would pull it, or void it or cancel it. Before I could ask more about it, he ended the call. <P/>On XXXX XXXX, 2017, we got an email referring us to a website from which we could download the " Property Valuation ''. This was a big surprise. The next morning, I checked the credit card and saw the Reservation of {$450.00} made on XX/XX/XXXX, but had not been " collected ''. We did not follow the link to the website to the point of accessing the " Property Valuation '', as this might have " accepted '' the service that we had n't pursued. <P/>My wife is very upset about this transaction. She ca n't understand how a bank would proceed with charging us for an expense without a signed application. She is only grateful that we backed out of dealing with this guy.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2024 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX inquiry has not been removed from my credit report which I did not apply for and previously filed a complaint..this is against the law ..U.S.C 1681 section 602 A . States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-05-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (TX)

I own a house for 12 years but when the lender keep selling my loan around in some how they record my house is foreclosure for 7 years and transfer my house to some bank name. When I do a refinance my house 4 years ago and XXXX XXXX XXXX do my refinance they do it with some loop hole to go through without a right deed of trustee. I been calling the bank for the last 7 years to fix the problem but no one want to help and keep telling me the same answer that the house is mine. If you go to the tax city the house is not under my name. Escrow still take my money every month to pay for the property tax. Now Im selling my house title company cant closed the deal because the house is not under my name. My title company keep called by them and talk to their legal team put they keep send us around and go back to square one no one can help. Please investigate this matter. My family want to move but keep stuck in this house for so many years.
Consumer complaint received 2019-01-10
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NV)

On XX/XX/2019, One Main Financial illegally obtained my credit file. I called One Main to explain I did not authorize them to pull my credit. One Main told me to dispute it with XXXX. I explained that XXXX would require a letter from them to remove it, yet One Main refused to remove the inquiry. Today, XX/XX/2019, I contacted XXXX, per One Main 's suggestion. Just as I told One Main, XXXX requires a letter from One Main. I did not authorize this inquiry into my credit file, and neither XXXX, nor One Main will remove it. This is ONE MAIN 'S obligation and duty to request removal through the credit bureau ... NOT MINE. They illegally obtained my credit file.
Consumer complaint received 2022-01-07
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: ALLY FINANCIAL INC. (TX)

I purchased my lease vehicle through XXXX XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through XXXX XXXX XXXX Ally. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Per the attached document XXXX, XXXX, and Experian are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does XXXX XXXX say they have no record of this information in their record.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Per the attached document XXXX, Equifax, and XXXX are all three reporting different information on a public record on my credit report. I have asked them to verify this account as accurate, I have asked to have them delete the account because they have not been able to verify this public record as accurate. and I have asked you all to help me have them delete this public record because they refuse to follow the FCRA guidelines by providing and reporing accurate information. They keep saying this is being reported by XXXX XXXX, if that is true then why arent all three reports showing the same information, and why does XXXX XXXX say they have no record of this information in their record.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (CA)

I recived a traffic ticket in XXXX of XXXX. It went to the collection agency and was paid when it went to collections. They said a letter was sent On XX/XX/XXXX, and then another letter on XX/XX/XXXX. The way I found out about this was a letter sent to my house XX/XX/XXXX that says " Second Notice - Action Required '' When I asked to speak to a supervisor they sent me to voicemail. After I asked for a copy of terms and conditions they " found '' another account I had failed to pay which is untrue. I believe they are trying to steal from me, thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I sent letters to XXXX and Experian on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. Experian is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )