davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I lost my debit chime card at a local XXXX near me and someone was purchasing things with my card I reported it to chime filed a police report and got a new debit card chime keeps denying my dispute telling me Im the one who made the purchase when I never had my card in my possession.
Consumer complaint received 2019-10-14
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. (FL)

I filed a legally sufficient identity fraud complaint with Equifax under FCRA Section 605B. Under that Section, Equifax is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Equifax received the complaint. Equifax purposely did not block the information and provided no lawful excuse for their failure. Instead, Equifax sent me a report some 30 days after receiving the complaint, simply stating that the following, " Please be advise that Equifax, at this time, will not block the information subject to the sumitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf. We will forward a copy of the documents you have provided to each crditor for their review.. 

In their response and conduct, Equifax has chosen to ignore the law. 

Equifax report number is XXXX
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (AR)

IN XXXX MIDLAND FUNDING HAD BEEN FALSIFYING LAWSUIT AND FINALLY ILLEGAL JUDGEMENTS WHICH WAS NSERTED IN TO MY XXXX   CREDIT REPORTS SEVERAL TIMES.AND RE-INSERTRD TWICE.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AR)

XX/XX/2019 my home flooded. 
It took two months to get a flood insurance preliminary proof of loss. 
The POL was sent to first mortgagorXXXX XXXX Disaster loans for endorsement. XXXX sat on the check for 5 weeks before sending it back to me because I was informed they had me send it to the wrong address. 
The check came back XX/XX/XXXX and was forwarded to Ditech Morgage who told me they would have it back to me in 5-7 days. Ditch received the check XX/XX/XXXX. 
The check was forwarded with a letter explaining that I had been flooded out of my home for 5 months and the reasons why, a copy of the Proof of Loss, and a copy of the bids for hvac, electrical, and plumbing repair, which is the same thing I forwarded to during the previous flood four years ago. 
On XX/XX/XXXX, Ditech calls and demands copies of contractor licensure. This was not required for my last flood loss only 4 years ago. 
It is my belief that Ditech, a mortgage company in bankruptcy, is simply tieing up my payment in their bureaucracy in order to use the money in the interim and stall as much as possible in paying me so I can repair my house. 

I have been out of my home for 5 months. There is no power or heat there. 
I am living in a rental, losing the income from the rental and making payments on both houses, both the rental and the one that is uninhabitable. 
Winter is coming on, and if I dont get my home repaired, the plumbing may freeze & burst causing yet more damage, caused by Ditechs delays in forwarding my fema repair check. 

I need some help getting Ditech to release the check. 
Ditech loan # XXXX XXXX XXXX loan Ditech phone number XXXX Policy # XXXX Claim # XXXX Property Address XXXX XXXX XXXX, XXXX, AR,XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance Bureau of Collections (GA)

I WAS RENTING APARTMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN MAY 2015. NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN OCT 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXX.RENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY BUT THEY Wo n't CHANGE THE AMOUNT TO CORRECT AMOUNT.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received a teller check from a credit union and deposited into my checking account inside the main branch of USAA in XXXX XXXX, Texas. The teller took the check and completed the deposit and said nothing about a hold on the deposit. On the deposit slip it shows my account balance and the amount of the deposit. It does not mention a hold on the funds. I then left the bank and checked my funds on USAA app and it showed the amount deposited was available. The amount was XXXX and my balance on the app reflected that amount. Two business days later I went back to the main branch of USAA and just before entering the bank I double checked my balance on the app and noticed that there was now a XXXX hold on my account. I went inside and went straight to the teller hoping there was a mistake on my account but when I tried to purchase a cashier 's check the teller confirmed that my checking account indeed was on hold for XXXX. I asked if I can discuss this matter with management and she directed me to an enclosed booth where there was a computer and a telephone and was told to dial zero and ask for a manager in the deposit department. I did so and held for about 2 minutes and a representative answer the phone and asked what he could help me with. I explained the situation and asked if there was anything that could be done to release my funds. The answer was no and that it was unclear on when the funds would be made available. I asked to speak with a manager so he transferred the call and I was placed on hold for about 5 minutes. Long story short the same answer was given by a manager " no '' and adding insult to injury she stated that my creditability with them was in question because of a previous over draft in the last 6 months. I left very upset and frustrated with the entire situation. I also called one more time the following business day and the exact same answer. No ... Please consider this fact. This was a preprinted teller check from a credit union and that when purchased originally by the payee was told that it 's the same as a cashier 's check. Now I have to wait 10 business days. Why? Why could n't USAA physically pick up the phone and verify funds or tell me from the beginning there was going to be a 10 day hold. I would have cashed the check elsewhere and been able accomplish what I needed to. Now I 'm on hold and it put me behind on what I needed to take care of.
Consumer complaint received 2024-06-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Paycheck Solutions llc (TX)

I receive a phone call from my HR department for XXXX XXXX  around XX/XX/year> might be a little bit after. They stated, " Paycheck Solutions was wanting to garnish your wages, and we don't do that unless there is a court order. They didn't have one. They said they would make a note on their end. '' I called Paycheck Solutions furious because to me I felt as though they were using scare tactics/manipulation and they ( Paycheck Solutions ) said " we just wan na help you. '' But, they attempted Wage Garnishment without a court order?
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
Consumer complaint received 2022-12-02
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. (PA)

I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I have an American Express with rewards of air miles. Ive never used the Miles and have nearly XXXX. When I tried to book a flight the program would not let me. When I called customer support they said there would be a NINE hour wait, so there is no customer service. I tried to call XXXX and they said they could book a flight but I could not use my miles. 
This appears to be false advertising because they are not offering what they said came with this card. They gave no answers for anything. 
I can only think maybe XXXX has gone bankrupt, but they could tell the customers the truth.
Consumer complaint received 2022-01-12
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: Experian Information Solutions Inc. (TX)

Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all 3 major credit bureaus ( Experian, XXXX and XXXX ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (PA)

The company known as AFNI, a debt collector agency, has been calling me non-stop since XXXX about an old phone debt from XXXX. AFNI typically calls about 2-3 times a day, especially while Im at work. They also occasionally call me during Saturdays as well. I have calling the number back a total of 3 times to tell the representatives that I no longer want to receive phone calls about this debt. Every time that I said this, the representative that I was talking to replied by saying that they will take legal action if not handled soon.
Consumer complaint received 2019-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I contacted the following Bureaus XXXX  and Experian by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I lost my business in the recession and ended up with a judgment filed in court for a Capital One credit card debt. 2 1/2 months ago, XXXX XXXX, 2015, I paid off the judgment with Capital One. I can not get them to send me a Satisfaction of Judgment so I can file it with the court. I need it to fix my credit score so I can refinance my home from a high interest rate. I am afraid the interest rates will be going up.
Consumer complaint received 2022-01-12
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (GA)

car was repossessed in XXXX  due to late payments during the XXXXXXXX XXXX. I communicated with the company that I was not able to work due the XXXX  and would only be able to make below the minimum payment. I never received a notice of repossession prior to the car being taken and now I am still being contacted about the past due loan balance by debt XXXX.
Consumer complaint received 2022-12-30
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

calling on sundays 15 times, noted trying to catch up with them one week paid over 900 $ then two days later trying to strong arm me. im a XXXX veteran, I missed some days of work trying to care for my daughter she was beat robbed and raped, then her mother had a XXXX XXXX .I only behind XXXX $ at this time and bout 4500 more dollars left on this loan .I would like for the phone calls to my sister and me to stop and for them to remove my 30day delquinte charge off my credit report cause if u paying on it then it should be removed.
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 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 a account without my written instructions
Consumer complaint received 2021-07-23
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. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please see attachment, it includes my late mothers XXXX certificate in the State of Tennessee. The XXXX XXXX maybe still using her social security number. My mother maiden name is/ was XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (IL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$170.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Social Finance, Inc. (PA)

I went on an online chat at XXXX to inquire about services they may have to refinance my loan or if they had secured loans. The chat rep gave me a number and told me to ask for special handling. I called and couldn't get past first rep who said the only option was forbearance, I adamantly stated numerous that I didn't want that nor was I interested. She said that was all she could say. I asked her to connect me with someone else that may be able to help and she said the person she connected me to could explain the program or give information. When I was connected he again went into the forbearance program and I immediately told him I was not interested in that and that I have a financial license and did not want that on my record. He said he was sorry I was misinformed and I said okay and we ended call. About 2 minutes later I received an adverse action notice in my email saying that i did not qualify for the application for loan modification or forbearance! 
At no time whatsoever did I authorize the pulling of my credit report or consent to any application! I was literally just asking questions and knew right away and told them so that this was not something I was interested in doing. At no time did request this.
Consumer complaint received 2019-05-10
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)

XXXX Credit reporting and Transunion want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

I had two Discover credit cards XXXX and XXXX. About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the one card ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.
Next the started transferring money from one card to the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.