davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (SC)

Today is XX/XX/2022 I called Trans Union twice and spoke with XXXX and with XXXX in regards to an investigation. I was told by XXXX that they did not investigate my claim that it was my job to do the investigation and send them the supporting documents to support my claim. I ask the representative XXXX how could she say that the claim was verified, if they did not investigate. I asked her to substantiate what verified means, I asked if they provided a statement, a note or contract signed by me or a transaction history. She stated no they verified my information only, I requested that they immediately remove all XXXX XXXX XXXX XXXX and that they immediately remove every account that is related to XXXX  XXXX from my credit report as they did not properly investigate and validate the debt. I told the i formed her that she stated to me that they did not investigate and it should be removed she hung up on me. I called a second time and spoke with XXXX. XXXX stated that she apologize for XXXX representation on the phone she stated that those items were verified, I ask how were they verified without an investigation and asked what supporting documentation did they receive to substantiate that they have the right to place these items on my report. She stated that they do not receive any transactional history or documentation from the collection agency, That they only verified that what they are reporting is the same thing that the collection agency is claiming without proof. she then told tell me that I needed to provide proof that its not mine, I ask how can I provide proof if theres nothing to prove. I asked was is it legal for them to allow anyone to take your name address and a fictitious number and place it on your account without validating that whats being said is true and that it is associated with the correct person. She stated that she understand what I was saying but they do not investigate. She told me to file a claim with CFPB. I told her I would file against them as well for unethical behavior, she said the call is recorded and I stated that I was recording them she then hung up. I have 2 cases where I called and was told that no investigation is being done for XXXX XXXX XXXX and XXXX.
Consumer complaint received 2016-03-14
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (TN)

I am a XXXX year old female and on XXXX/XXXX/2015, due to an emergency, I made the biggest mistake of my life. I took out a title loan on my car at 'check into cash '' for XXXX in XXXX , TN. I have paid every month since then on time. This past week, the last time I paid I was told that balance was XXXX, so after receiving my income tax refund, I called to ask what my balance was and was told it was XXXX rather than the XXXX. This was all the money I had. I have paid to this date XXXX and do not understand why I still owe XXXX. If I pay based on their payment plan, I will have paid around XXXX for a XXXX loan. I do not understand why this is legal. It seems so outrageous, but at the time I did not realize how much I would be taken advantage of. I wonder how such our legislators would allow such a business to operate. I am so depressed and despondent over this costly mistake, but do n't know what to do at this point. My car is an older car but I do not want to lose it. Can you please help?
Consumer complaint received 2020-06-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

This company reported multiple inaccurate late payments on the account I am making on-time payments on my account and I have a proof that all the payments are all submitted. Late payments you reported in XXXX and XXXX should be removed. I already disputed this account which clearly shows in the Dispute section of the credit report but you fail to correct and do the necessary investigation on this account. The payment I made on XX/XX/2020 shows as current, but the payment I made XXXX and XXXX are showing as late. I do not want to waste my time and money sending dispute letters to this company and they still continue neglecting their duties on reporting the account with 100 % accuracy. This needs to be removed from my credit report!
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I made a payment to pay the entire balance of my credit card. 5 day later my account has not be credited by the payment has been taken out of my account. When I called to point this out, I was told there nothing they could do and just argued with me. I asked for my money back since I got nothing for my payment and was hung up on.
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I got a call that seemed like a scam. Caller asked for someone and I denied being that person because I am no longer married and had my name restored to my maiden name. In the final document it recorded as " Now Known As '' not " Also Known As '' so I told the caller the truth. But I thought it best to follow up and look at my credit rating. This hard inquiry cost me a point on my score and I request it be restored and the hard inquiry cleared. 
I called XXXX, finally got a human being on the phone. I relayed my problem and I was told to begin a complaint with your organization.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NEW CITY FUNDING CORP. (NY)

On or about XX/XX/2022 I received a letter from XXXX XXXX, XXXX XXXX XXXX, advising me of a car that I was supposedly co-signed for. For a whole month I tried calling them to get the information about this car, however still no one called me back. I then called and spoke with the receptionist who allowed me to speak to a lady by the name of XXXX XXXX. I explained to XXXX that I never co-signed for no one, she said that they had my signature. XXXX said that she was not the one who was handling the case and that she would have that person call me. As of today, XX/XX/2022 I have yet to hear from that person. However on XX/XX/2022 I received a copy of the contract in the mail, and as I said I did not sign anything, the signature is not mine. I then called the bank, New City Funding, who told me the same thing it is my signature. I told them that it is not my signature and they said it is a civil matter and I needed to take it up civil court. In the past I did buy 2 cars thru them and paid them both off I asked them to look at the signature on those two loans. I asked them to send me a copy of those contracts and I guarantee them the signature is not the same. The signature on this loan, # XXXX is absolutely positively not mine.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was defrauded by a company called XXXX XXXX in XXXX XXXX, Nevada. XXXX XXXX sold me items that were worthless junk that they described as new, then refused to take the items back. I filed a dispute with Bank of America for {$1200.00} on XX/XX/2018. But Bank of America refuses to reverse the charge.
Consumer complaint received 2020-06-06
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX XXXX XXXX.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2022 at XXXX XXXX Eastern, I received a series of emails stating that an application was in progress, approved and welcoming me to an online and mobile banking account with Bank of America. I did not apply for such an account. 

That morning at XXXX XXXX I went in person to a local Bank of America branch ( XXXX, MD ). I was informed that an account had been opened using my correct name, birthdate, SSN, and an address that I had ten years ago. No funds were in the account or appear to have moved from my real bank accounts. I was put in contact with the Bank of America fraud department and the account was closed. 

I have contacted XXXX and placed a security freeze on my account. I also checked my credit report and do not see any fraudulent activity at this time.
Consumer complaint received 2022-09-02
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: Credit Karma (AZ)

This company has repeatedly sold my information and falsely preapproved me for credit cards in which i cold not actully obtain. My credit score has been severely affected by credit karma through unauthorized inquiries, and getting me to repeatedly click falselly advertised pre approved offers. From XX/XX/XXXX up until now, XX/XX/XXXX, I keep receiving pre approval offers and harassing, unsolicited marketing. The only place I feel comfortable inputting my information online is credit karma, and i know for a fact its been selling my information to affiliates, as I have showed no interest, nor provided my sensitive info to its affiliates.
Consumer complaint received 2019-09-18
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. (KS)

From XX/XX/2008 until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX  had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which first premier never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

I've contacted the credit bureau and each company regarding the inquiry showing on my credit report with no progress. I've requested proof that I consented to these inquiries only to be told I have to wait 2 years for them to fall off. These inquiries are hurting my credit score.
Consumer complaint received 2020-06-06
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: DISCOVER BANK (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is Discover Financial XXXX.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (FL)

My old mortgage company Wells Fargo attempted a foreclosure on us, however we changed Mortgage Companies several months prior to them actually processing the foreclosure. Wells Fargo was paid off in full by the new mortgage company, however my credit report shows " Foreclosure '' under Wells Fargo, and it is false and prohibiting me from purchasing a new home. Wells Fargo has been contacted several times regarding this error, and so far, I have been ignored. Please help!
Consumer complaint received 2020-08-03
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 — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX  -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with XXXX XXXX  and was sold shortly after to Penny Mac Mortgage that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and Penny Mac 's Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 -  Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My  telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Like most Americans I was effected by the pandemic with a decrease in income. I applied to my mortgage company requesting a modification. I was denied a modification due to the calculations raising my payment. My lender then put my past due from the forbearance into a deferral and I was due for a payment XX/XX/2022. My lender did not advise me of this. I did not receive any telephone calls or written correspondence from my lender. I never agreed to any plan, my lender did not get my permission. I now am 3 months behind due to not being made aware that payments were resuming. When I contacted my lender I was told that I could begin a repayment plan for 3-6 months. I was on a forbearance for 18 months, this will dramatically raise my payment beyond what is affordable. I was told to reinstate, I was going through a COVID hardship and do not have that much money saved up. I was told I could engage in a short sale or deed in lieu. I do not want to lose my home. I feel like my lender used the pandemic to put me in a horrible position. I now have to reinstate or agree to pay my loan plus my past due of 3 months for the next 3-6 months. I do not feel my lender has helped me at all. I have included the letters that have been sent.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IA)

This credit card was set up while I was working with the furniture store that sold the policies on behalf of the company so I am very familiar with how they were marketed. This was to be a 6 month- no interest payments that were to be in addition to another plan for no interest over 3 years. Both were marketed as " make the minimum required payment that we set up and it will be written off after X months ''. I have now made payments for over 5 years with XXXX 's charged in interest and a balance of XXXX on my account. While disputing this, I have been charged multiple late fees and had a late payment reported on my credit. I want my money and the report fixed. 

XXXX XXXX called filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and was told complaint wasn't filed because my address needed updated. I updated address and again filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and escalated up to highest level and was promised call back. No call back was received as of XX/XX/XXXX. Multiple representatives now claim that the interest was valid because the minimum payments made only applied to one of the credits at a time so the payments over the last 2 years were all interest built up while making payments for the first 3 years on the other credit. 
I advised I would be filing complaint and suit.
Consumer complaint received 2022-09-02
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. (KY)

My Equifax report shows medical bills under XXXX that have been settled as collections. I was able to get them taken off of XXXX  and XXXX without any problems. There are also account that has missed payments dating back to 2011. I have disputed all of these issues twice with same results. It is also showing My last missed payment was a month ago and it has been 11 months since my last missed payment.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NC)

This is in response to complaint number XXXX and in responding to XXXX XXXX XXXX The notion that I gave Wise an incorrect swift is wrong. The swift I provided to Wise is the correct and valid swift for the recipient account. The intermediary and partner bank that was used on this transaction are totally from wise and I had nothing to do with it. To clarify, on the MT103 given to me, Wise sent the money to XXXX XXXX and XXXX XXXX sent the funds to a XXXX XXXX  in XXXX. This information is based on there MT 103. Wise can not claim I used a wrong swift. What I have told them is that on giving the MT103 to my recipient bank. They told me the Intermediary bank used by by wise isnt a bank they use at all ( XXXX ) so there is no way the money would come to them. This I explained to wise before I made a recall. The recall is more than 15 stipulated day they have committed to and yet I am still waiting to receive this funds. I am personally not interested in what Wise has to offer. I maintain that the money never got to my recipient bank and I even did a screen shot of the bank account of the recipient and sent it to them to see, which again was never addressed in their response to me .All I have requested is to get back my funds to save me all this headache