davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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. (CA)

I am disgusted this is my second attempt. I'm being accused of not being me?? Like I stated in my first complaint. I disputed all the way back on the XXXX of XX/XX/2020 and have yet to receive any indication of my disputes being investigated. I feel like I'm being toyed with even more now that I'm being accused of not being myself I also feel like I'm being ignored of my disputes. It's been over 45 days at this point and still NOTHING. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. Like I stated before I was also impacted by the XXXX  data breach. Please resolve this in a timely matter. I will be attaching my dispute again.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

XX/XX/19 I tried to remove a security freeze via the experian website https : //www.experian.com After inputting the correct information several times including places I've lived, current address, ssn, dob, and pin, I was still unable to life a freeze and was told to mail in my request. Calling them does nothing as every single options just leads to a computer telling you to mail in requests.
Consumer complaint received 2018-10-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

in the beginning of 2017 after purchasing the vehicle, we began having trouble keeping up with the payments. We were afraid of loosing the vehicle so we turned it back into the dealership so we would not have to go through with a repossession. We also made sure we paid in full what was owed. I recently ran my credit and it is incorrectly reporting as a charge off/ repossession. I take pride in maintaining my credit and have never had blemishes in my credit before or after this. Please have this information removed from my credit. I have reached out to the company many times before and we have not had any resolution.
Consumer complaint received 2018-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SFS, Inc (SC)

I foolishly in desperation took a payday loan with an online payday loan company. I borrowed {$300.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$300.00} loan I should have to payback {$340.00}. I have mailed my first payment of {$90.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$250.00}. The payment of nearly {$200.00} per month is excessive, predatory and pure greed. I will pay {$25.00} every two weeks beginning XX/XX/XXXX until the {$250.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

i had an account with US Bank which i opened in year XX/XX/XXXX, on XX/XX/XXXX a bank Representative contact me asking me to give her my valid visa or green card, which i did by email, and she replied that i will be posted, later on i found out ( by chance ) that all my account were frozen ( hard block ) i contacted the costumer service which they refer a contact number that i should call, which i did, it was a near by branch of us bank, they did not knew why am calling, i visit the branch were i knew that my account was frozen because i was born in XXXX, and the account still frozen till this moment and they dont know when the account will be unfrozen so i dont have access to my funds so the bank froze my account for more than 15 weeks, without informing me, and when i knew no one gave me clear answer why it was frozen knowing that i submit all information needed from my end its act of discrimination and raciest, and i will go to court to escalate this matter
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I am unable to pull my Equifax report. Company is saying that this is because of my existing fraud alert. 

Additionally, there are 2 addresses listed on my previous address secition. One is an address in Indiana. I've never lived in Indiana. The 2nd address is an address on XXXX XXXX That address is not mine either. It, in fact is a place of business. It is not a residential address.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was charged a late fee and interest on XX/XX/XXXX on my VISA card. after about an hour on the phone, the representative agreed to waive fees and to settle the amounts on my XXXX statement. I believe this situation shows a systematic defect in Bank of America data processing that could lead to customers being charged inappropriately. Details below are from a letter to XXXX XXXX, BofA CEO. 

" Moreover, the example below not only illustrates how poor BofA service is, it also points out a possible systematic failure in reporting that could have regulatory implications. For that reason, I am filing complaints with the Federal Reserve Consumer Complaint division and with the Consumer Financial Protection Bureau.

As one example of poor service out of many, I called BofA to inquire about a late fee and interest charges on my VISA card XXXX After about 20 minutes on hold, I finally spoke with XXXX and explained the situation. My paper statement of XX/XX/XXXX and the on-line record for the card both indicated that I had a credit balance of XXXX and contained a statement, Credit Balance, please do not pay. I am enclosing a copy of the paper statement. Despite that notation, BofA charged a late fee and interest. 

Customer Service representative XXXX looked at the account detail and correctly pointed out that there was a double payment of XXXX on XX/XX/XXXX, resulting in the credit balance on the closing date. In a previous series of calls, I first asked to have the second deposit reversed not possible. Then I asked for a refund of XXXX and received it on XX/XX/XXXX. XXXX insisted that there was a payment due on XX/XX/XXXX, even though neither the statement nor the on-line record indicated so. I was so frustrated at her inability to recognize that this charge was inappropriate that I asked to be transferred to a supervisor, and spoke to XXXX. No better. XXXX also looked at the account and agreed with XXXX that there was a payment due and that the charges were valid. I repeatedly explained that there was something wrong with the BofA system that inflicted a charge under these circumstances. She also refused to listen to this logic and continued to insist that the charges were appropriate. Frankly, neither representative seemed to comprehend the real problem. In the end, however, she did waive the late charge and the interest on the account. I will need to wait until the next billing cycle to see whether, in fact, this will happen. The account currently shows that it is overdue.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma (ME)

I signed up for a credit karma account a couple months ago and I asked for their credit Karma spend account debit card to be sent to me in the mail. You can load funds onto the card and use it as a normal debit card. I am a recipient of unemployment and I asked for my unemployment benefits to be direct deposited into my spend account through credit Karma. There is a substantial amount of funds in the account however credit Karma has locked my account and not giving me any reason as to why they would do that or continuing contract with me. The stopped speaking with me after an hour of trying to resolve the issue.
Consumer complaint received 2023-06-13
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. (PA)

The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I received message that Navy FederaXXXX had denied my application, XX/XX/XXXX, after receiving an pre-approval from XXXX XXXX. It was verbally advised because of XXXX XXXX more than 7 years ago, Navy Federal is refusing to accept any type of loan as me being on the account for a loan. I was told if I want to pay the debt, I could, but we were at an impasse. Not allowed credit is permanently affixed to me credit worthiness, no matter what. I was further advised today and yesterday to call charge/off bankruptcy department, XXXX. I spoke to two different people. The last person stated even if I paid on the accounts loan and credit card, I would not be granted any services. He told me that they were permanent affix and time would not change the status. I explained my military XXXX had caused an interruption. I lost a lot but I had no problem back then XXXX, I was blocked out of my account. When I attempted to pay I was rerouted to collections. I was forced to add Navy Federal to my bankruptcy. Now to present day customer service in mortgage and bankruptcy department verbally stated if I wanted a job there I would not be allowed because of my XXXX  from over 7 years ago. I take issue with this as a federal employee who have been told these rules can interrupt my federal career goal, that is already tough to advance in for an XXXX XXXX like myself. All because I was then and XXXX due to my military service which has recently been rated as 100 % total and permanent XXXX. That to me is discrimination, due to me being a XXXX veteran.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

This is a follow on to the previously made CFPB Claim Number XXXX, i : have attached the correspondence with them through CFPB. 
BMW Financial seems to admit it is a racket, i.e. the financiers at BMW knowingly finance material misrepresentation and outright fraud at BMW of North America.

There is not even an attempt to contact BMW of North America by BMW Financial when outright fraud has been presented to BMW Financial. i : don't see BMW Financial sending my verified claim to BMW of North America, LLC., even though BMW Financial Services , by their own admission, finance cars from BMW of North America , LLC . 
This seems to be BMW Financial Services ' admission that is a racket, i.e. BMW Financial Services knowingly routinely finances fraud committed and perfected on American consumers which has further damaged me economically. 
The very least BMW Financial Services should have and could have done, was to forward my claim to BMW of North America, LLC. or stop financing BMW of North America, LLC. until BMW of North America, LLC. furnishes ample relief to me based on their material misrepresentation to me to lure me into leasing a car with fabricated and false advertisement [ i.e. XXXX when the car does not even provides for half of that mileage advertised on the car ]. 
BMW Financial Services must forward my claim to BMW of North America, LLC. within 10 days, if in fact, BMW Financial Services is not working in a racket to steal from me working in collaboration with BMW of North America, LLC. Otherwise, that is ample and additional evidence, that it is a racket and both BMW Financial Services and BMW of North America, LLC. are liable for additional financial damages to me based on the racket they admitted to by failing to act when on repeated notice of outright fraud and misrepresentation, etc. 
CFPB must also penalize BMW Financial Services, following the 10 day cut off date for failure to remedy BMW Financial Services ' error -- to wit : BMW Financial Services must not be rewarded to be able to continue to finance outright fraud presented to consumers for luring consumers into buying or leasing cars from BMW of North America, LLC. by material false advertisement. 
This is precisely one of the main mandate of CFPB, to wit : protecting consumers from the same type of financial fraud committed and perfected on the People of this Republic by said perpetrators -- BMW Financial Services forming a racket with BMW of North America, LLC. to cheat consumers.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation (CA)

I have making monthly payments since XX/XX/XXXX. I just sent the XX/XX/XXXX payment and they keep calling even though Ive asked them to stop calling and I wrote them a letter and the continue to threaten me. They also added {$2000.00} to my debt because they say its what they need to charge to collect the debt.
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

Ditech bought my mortgage a few years ago. Since then I have had frequent problems with them. The most common problem is where they send two bills in a month. I have called them about this several times. They say it's an error and to ignore the second bill. This month, for the payment due XX/XX/18, I sent a check to them ( # XXXX ) on XX/XX/18 for the amount in full ( {$680.00} ). This check cleared with my bank ( XXXX XXXX  ) on XX/XX/18. About two weeks ago I get a second bill as had happened many times before. Based on what they had told me, I ignored the bill after looking online to make sure that they had actually cashed my XX/XX/18 payment. I received a letter today stating that they had not received my XX/XX/18 mortgage payment and that they were assessing a late fee of {$34.00}. I am tired of struggling with their ineffective customer service. I am also starting to wonder if their double billing is not an accident, but in fact an unfair business practice designed to dupe customers into paying late fees. Please help me to resolve this issue so that others do not also have similar problems.
Consumer complaint received 2020-08-02
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. (NY)

I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.
Consumer complaint received 2020-08-02
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. (NY)

I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.
Consumer complaint received 2020-08-02
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. (NY)

I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.
Consumer complaint received 2018-12-28
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. (FL)

Experian is falsely reporting a collection on my report as of XX/XX/XXXX in the amount of XXXX with XXXX XXXX XXXX , XXXX as a third party collector who purchased the debt from the original creditor, XXXX XXXX XXXX. The partial account number is XXXX. 

The account in question belonged solely to my father, XXXX XXXX XXXX who passed away in XX/XX/XXXX for which XXXX XXXX was notified and sent a death certificate. Any claims by XXXX XXXX should have been filed in the XXXX County Court, Probate Division. 

The property was sold and never once did XXXX XXXX claim any fees due when the new property owner transferred the account. Neither XXXX XXXX or XXXX XXXX XXXX have ever contacted me regarding this matter. 

I have never been responsible for this bill, nor should they have any of my personal information, except for paperwork naming me as Successor Trustee of the estate. This attempt to circumvent the judicial system by both XXXX XXXX and XXXX XXXX XXXX violates the Florida Probate Statutes, the FCRA as well as FDCPA. 

If this is not removed immediately, I will file suit against both XXXX XXXX XXXX. and XXXX XXXX, as well as filing a criminal complaint with the XXXX Attorney of XXXX County, Florida.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over XXXXXXXX XXXX later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX  left to remove the following accounts completely from my Credit File
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2020-08-02
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. (GA)

I have been disputing this account for a couple years now. Experian does not review information given in the comments for the dispute. I have sent in documentation to fix these errors and Experian has updated portions, but has left very hurtful and inaccurate information on many accounts. There are accounts that I have proven to be paid in full and Experian update the info but still it as a charge off. Much of the payment history in accurate and not on the credit report at all. I also have collections accounts on my report, but when calling to verify for myself, the information provided on the report does not match what these companies had. They could not verify without me giving them sensitive information ( SSN and DOB ). Experian, therefore could not have done an independent verification process with the original creditors. Additionally, there are things in collections that I have invoices for, showing creditors being paid on time ; Experian has updated that information as collections. They have also reaged debt with collect and have re-added information that was rightly deleted for lack of verification. I have also request information on how Experian conducts its independent investigation and have never received those reports.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NJ)

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