davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have initiated a correction with XXXX, XXXX and Experian regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

My husband XXXX XXXX was going through some health issues which resulted in 4 months behind on the mortgage payments. On XX/XX/XXXX my brother-in-law XXXX XXXX, contacted XXXX XXXX to pay all the late mortgage bills which he was given a total of {$4100.00} XXXX Confirmation # XXXX XXXX. My brother-in-law insisted that he wanted to pay all the late mortgage payments until XXXX XXXX ; allowing my husband and I to begin making payments onXX/XX/XXXX Whoever spoke with my brother-in-law from loss mitigation department advised him that " she '' will cancel the transaction and the new total was {$5100.00}. The amount of {$510000.00} was paid onXX/XX/XXXXat XXXX ( Confirmation # XXXX XXXX. A week later my husband and I began to receive daily phone calls from Home Bridge. I attempted to return the call 3 times ; however, I was left holding on the line for over 20minutes and no one would speak with me. I didn't really think it was anything bad or to worry about because I knew we were caught on the mortgage untiXX/XX/XXXX Tonight,XX/XX/XXXXI logged into my account and learned that I was covered until XX/XX/XXXXand not XX/XX/ as requested. I don't have issues paying the bill, but I have a huge issue with the employee that did not perform the job well and my husband and I will be suffering the consequences.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (RI)

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, Planet Home Lending has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Consumer complaint received 2022-03-04
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. (AZ)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/2018 I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for EQUIFAX to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Consumer complaint received 2018-05-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My S.S. was used to obtain money from my checking account. I have closed the account and the original debt was written off and then sold to HSBC. I have NO intention of making any payments on this account and have told them repeatedly. Started getting calls from HSBC, XXXX XXXX, about two months ago on my cell phone from XXXX ext. XXXX and XXXX. I asked her to stop calling. Now she is calling my place of employment and leaving message with my Manager that it is URGENT I call her. I called her this evening and said that she is not to call my employer ever again and she started screaming at me over the phone, I could not even talk. It was absolutely disgusting. I couldn't even understand what she was saying half the time she was just yelling and cussing. If it happens again I will record the call and post it on social media.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

XXXX scam using XXXX. Have written confirmation of receiving tickets to XXXX vs. XXXX Game 2 for {$650.00} for 2 tickets. Used fake emails, confirmation # 's, phone # 's, names. XXXX and Wells Fargo can take no action to cancel transaction even though I have informed them it is a fraudulent transaction. I informed Wells immediately and they can do nothing - they really should do a better job of educating their customers on what XXXX is in their online portal, risk associated and differences vs. ACH / other methods ( ie no time to clear, etc. ) Lack of consumer fraud protection with banks and XXXX is a real issue.
Consumer complaint received 2022-03-04
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. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-04
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. (AZ)

Please be advised that I recently pulled a credit report. Please note that this letter should be used as confirmation that I hereby Opt out and do not wish to resolve disputes through arbitration. 
I repeat that I reject the arbitration clause in the Interactive Service Agreement. 

Please be advised that I also Opt out Pursuant to 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FAILURE TO DISCLOSE. 

Thank you for responsibility noting my account This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed you have included the below information in my credit profile, due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently. I am wondering why you are reporting that I was late I am in dispute of the information listed since XX/XX/2022 VIA Telephone and Text Message with XXXX XXXX. XXXX XXXX has taken upon themselves to not verify the alleged debt, I have gotten word that the alleged debt has never been verified by any party. This is the second Cease and Desist that you have failed to comply with. you will forfeit all claims and titles.Pursuant to 15 USC 1641 ( c ) I rescind the transaction and demand refund all monies in account. Cease and Desists all activity and remove from credit file immediately. I will upload an W-9 for tax purposes on the account in questioned.
Consumer complaint received 2022-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Auto Finance Co (TX)

Ive have been trying to dispute this debt collection thats been on my credit report for 8 years now through Safco. The amount trying to be collected is much higher then what they are asking. I have spoken to them to delete it off my report because the age of the debt is past 7 years.
Consumer complaint received 2020-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc. (MI)

Received a false bill in the mail from Credit Clearing House of America from XXXX XXXX for {$390.00} on XX/XX/2020. I do not know either of these companies nor have I ever used an emergency medical service. I work nights and their call center is not open at the times I am available.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

I didn't receive a 1098 for a home I sold last year in early XXXX. Apparently they sent it to the address of the home, where I haven't lived in almost a year. I contacted them on XX/XX/XXXX of this year to ask for a 1098 to be sent to my new address. I couldn't download it from the website nor did I wish to do so as it would require trying to set up a password and other things. Today they told me that it had gone out on XX/XX/XXXX and should be at my new address by now. They have refused to expedite a replacement and will only send it out again via snail mail. It has now been over a week since it was sent and I need to get my taxes done. What can be done about this?
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NJ)

My PNC checking account has been linked to my XXXX account for XXXX years. Today while trying to complete a transaction on XXXX I received a notification asking me to verify my bank information. After verifying the information, I received a message saying that PNC has made a change that prevents me from being able to link my bank accounts.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi Cards, I.e. Citibank changed their policies and used their dominant market position to force their business customers to stop selling certain legal products protected by the 2nd amendment to the US Constitution. 

As a result I closed my credit account with them, but I feel I still have a right to redress as their market position is still being used as a weapon against legitimate businesss. 

As a taxpayer during the financial crisis my tax dollar underwrote their continued existence ...
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

The company that manages my loans is Navient. For years they have called my cosigner saying that I hadn't made payments, when I had. They also continually " lost '' my auto payment information so that they could collect late fees when the payment inevitably did not go through. They will not release my cosigner. And they seem to bury information making it difficult to understand repayment methods, fees, and process.
Consumer complaint received 2022-06-15
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, THE 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 an account without my written instructions
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308
Consumer complaint received 2021-10-27
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: Garcadia Financial LLC (SC)

XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
Consumer complaint received 2022-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Services calls me every week to collect a debt for a XXXX XXXX who lives in CA based on my investigation. My name is XXXX XXXX. I believe we both have a same/similar middle name, same DOB and similar SSN. This company is mistaken and calling to collect a debt from the wrong person. I have repeatedly asked that the calls stop to have my phone number removed from their list, and have attempted to block the many different phone numbers that call me, all without success. These calls are harassing. I need something done to stop the calls.
Consumer complaint received 2022-03-04
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. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A representative sent a text after I went online to inquire about a vehicle. And selected there PRE APPROVAL OPTION with no effect to your credit. The representative called and sent multiple text about not completing the pre approval. He provided reassurance that it is a SOFT HIT and will not damage my credit. I stopped based on me knowing my credit score. The rep proceeded to call and sent texts stating that there will be no impact to my credit report. I filled out pre approval. I then called the rep and stated my credit score just dropped and was told it shouldnt have. I then contacted general manager after my credit showed an inquiry and was told that the inquiry will stay on my report for 3 days and fall off. This occurred with XXXX XXXX XXXX NC in XXXX, NC. I did ask if the calls are recorded and they provided that their calls are recorded.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, THE 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 an account without my written instructions
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

Discover Card is continuing to allow XXXX XXXX XXXX  to continue to charge XXXX per month to my card DESPITE the fact that they have been notified of this being a fraudulent charge. This latest charge occured on XX/XX/2022.