davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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. (IL)

On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX  XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and Equifax and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Consumer complaint received 2019-02-13
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. (IN)

Went to XXXX 's app and website to make payments, was told that payment and autoenroll of XXXX $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!
Consumer complaint received 2023-01-07
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)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX  XXXX XXXX : {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$100.00} ; Medical XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Went to XXXX XXXX app and website to make payments, was told that payment and autoenroll of 50 $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Went to XXXX 's app and website to make payments, was told that payment and autoenroll of XXXX $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America agreed with me on recorded phone calls to a pay off settlement agreement for two credit cards ; the settlement amounts are approximately the principal balances due minus all interest and fees accrued and or approximately 35 % reduction back approximately the principal balance spent. These recorded verbal contacts occurred approximately between XXXX XXXX XXXX 

I am in need of a settlement statement from Bank of America so as to reconcile immediately as of today XX/XX/2022.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XX/XX/XXXX I called XXXX and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XX/XX/XXXX and then XXXX on XX/XX/XXXX. My actual payment is XXXX after 6 % tax on the lease. 

In XX/XX/XXXX a customer service rep said she couldn't take my payment over the phone and to pay on the XXXX XXXX  website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XX/XX/XXXX payment date. I called in to change my payment to the XXXX of the month back in XX/XX/XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XX/XX/XXXX after I got calls from XXXX saying I was late, then I paid XXXX, XX/XX/XXXX and called XXXX XXXX to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. XXXX allows you to change your payment due date during the lease. I called XXXX financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with XXXX XXXX and they are not my fault, they are XXXX XXXX error. My lease is done soon and this error will prevent me from leasing thru XXXX and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru XXXX but this is really unfair and wrong. Please assist me.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IL)

I was called by XXXX XXXX about an account saying I owe a XXXX final bill for {$210.00}. I asked for information about the account and all they could provide me with was an amount. This account is on my credit report and they have no information at all. I asked the company to remove it from my credit report repeatedly and the rep hung up on me. I called back to speak to a supervisor and they said it would take 24 to 48 hrs to review. I want this removed from credit report immediately.
Consumer complaint received 2019-02-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CHECK INTO CASH INC. (CA)

I went into my local Check into Cash on XX/XX/19 to pay back an existing payday loan and re-loan for the same amount as I have done in the past every 2 weeks. Each time I go they force me to sign paperwork stating I agree to have check into cash run my credit to see if I am eligible for additional products they may offer. Each time I tell them that I do not want additional products and services they offer and that I just want to continue with the existing payday loan they tell me I can not re-loan unless I sign that line, removing my ability to opt out. The company has posted 4 hard inquiries on my credit report for no reason and will not give an explaination as to why the inquiries are necessary. The hard inquiries are hurting my credit report and effecting my credit rebuilding process negatively. I am not applying for additional services nor have I inquired about them but instead am being forced to have hard inquiries posted to my account.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I was under contract for a house that had credits from the seller and credits from my realtor in order to cover closing costs for the house. The broker told me verbally on XX/XX/18 that those would cover closing costs ( see attached text from broker asking me to call him ) and I would only be responsible for the down payment. My realtor told me closing costs would be higher than the broker was telling me, but I trusted the broker when he told me that the credits I received would cover the costs. As stated, I confirmed this verbally PRIOR to signing the final contract for the house. Unfortunately, this was inaccurate information and when I realized one week before closing that I was lied to, I could not do anything about it or I would not be able to close on my house the next week. I was put in a bad situation that I had to pay additional, unexpected closing costs. The broker nor Caliber would work with me further- nor did the broker respond to my final emails.
Consumer complaint received 2023-01-05
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2019-02-13
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. (IL)

On XX/XX/XXXX. I received an alert from TransUnion Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted Trans Union, XXXX, and XXXX and disputed it. When I contacted Trans Union at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with Trans Union. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at Trans Union did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Consumer complaint received 2019-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

EXPERIAN is volating my consumer rights. Experian responded to my CFPB compliant stating the following 1 of the disputed accounts reflects current/never-late status, and another disputed account displays no late payment history, as indicated by consumer. 2 disputed accounts do not appear on consumer 's report. this was from complaint ID XXXX Experian has stated they are looking into my reports while completely contradicting their own statement. This complaint will show proof that Experian will say and do anything while attempting to confuse and deceive consumers. 

I received a letter dated on XX/XX/2019 that was sent to me as an answer to this very complaint ID listed above. 

In THIS LETTER that I have attached to this complaint is showing accounts that Experian has said previously that was either removed or reporting as no late payments/paying as agreed. 

I sent another letter dispute to Experian and in THIS LETTER, Experian states that they WILL NOT investigate my reports. 

Experian claims that my reports are verified, per the FCRA I have a right to request the details of what Experian found in their investigation Experian WILL NOT provide investigation details, and wants me to conduct my OWN investigation giving Experian information instead of Experian providing me with requesting documents to prove accounts. 

At this point Experian is showing major violations within FCRA guidelines. 

1. Will not conduct a proper investigation.

2. Will not provide proof of any investigation. 
- verified does not show proof. ( Who/what verified? ) 3. Experian said accounts DO NOT appear on my credit report to do an investigation. ( Accounts ARE on reports- their own letter shows these accounts. ) 4. Experian has taken more than 30 even 45 days to conduct an actual investigation Pursuant to Section 611 ( a ) ( 1 ) of the FCRA.

Experian has VIOLATED my rights. I will also be sending this complaint to the Texas State Attorney General.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had approximately 6 credit cards ( Capital One, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX ) and with each of them I opted to pay extra monthly for " credit protection ''  which claimed in case of identity theft or an unexpected event took place such as loss of employment, or injury occured my balances would be taken care of. After seven years of paying into said " credit protection '' following an negative occurrence which lead me struggling to keep up with my payments till eventually not being able to even meet the minimum payments ; the " credit protection '' was nothing more than a waste of money that did the opposite of protect my credit. It lined the pockets of the financial institutions and destroyed my credit. I had contacted my creditors numerous times, but it was a waste of time that led me from one representative to another.
Consumer complaint received 2022-08-18
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. (NV)

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

The supervisor Mrs. XXXX from the PNC bank, yesterday, XX/XX/2019, re-opened a claim on one of the transactions of my debit card, but hadn't informed me that she also closed my debit card. 
Today, I was trying to get funds from my debit cards from 2 ATM 's, one at one of the PNC branches, and could not see neither my balance nor withdraw the money. 
Having not informed me about the fact that the supervisor had closed the card, Mrs. XXXX had violated 1. the Act about the Free Access to Information ; 2. my Human Rights ; 3. my customer 's rights. 
She inhumanly put me at the situation, that I can not freely use my own funds, having spoiled my weekend and having stressed me, which is not advised by my doctor.he I spoke with another supervisor Miss XXXX, who said that there was no way for me to get the necessary funds today. She advised to go to one of the branches tomorrow, which is impossible, as they are opened before the time I can reach them : I am working during their business hours. 
Their service is bad, and I will inform about it everyone I can. 
XXXX XXXX P.S. Having made a mistake, the Bank SHOULD have a way to reopen the card as quickly, as they had closed it not violating Human Rights of a customer!
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

I've pulled " 3-in-1 '' credit reports from Experian on myself and my wife over the past two years as we acquired property and are building a home. I recently started going through all the charges on my credit cards to look for any signs of fraud. I found it and the fraud is being committed by Experian. They are charging me for " credit protection '' services that I never ordered. Worse they are double charging me for the same service on two different credit cards. 

I've been trying to reach someone at Experian to dispute these charges and YOU CAN NOT REACH A PERSON. You navigate a draconian maze of automated prompts that all dead end. This can not be an accident. I've found numerous numbers online and numerous XXXX searches from other people unable to reach a person at Experian. 

The only fraud I found in reviewing a years worth of credit card statements was committed by a credit bureau.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Data Corporation (TX)

Our family business, XXXX XXXX XXXX, is owned by XXXX XXXX. Our day manager, who only knows very limited English, got a letter in the mail that to her looked incredibly similar to the XXXX XXXX EBT letters, so she filled out the form and promptly sent it in, not knowing that that was a 3rd party processing company that is not affiliated with EBT or SNAP. The letter was sent from XXXX XXXX XXXX XXXX XXXX., which was received late XX/XX/XXXX. The company then sent us a completely new EBT machine, one that was faulty and unnecessary, and we immediately sent it back and attempted to cancel the services completely on XX/XX/XXXX. Despite us sending it back and filing for cancellation, the company persisted that we could not break the contract for 48 months and has been demanding payment on equipment that we immediately returned. The first bill was posted overdue on XX/XX/XXXX due to our credit card not being on file anymore ( from the cancellation process ), and as of recently, we have received a final demand on XX/XX/XXXX of {$6700.00}, which was sent by XXXX XXXX XXXX XXXX in XXXX, CO. Moreover, on XX/XX/XXXX, we received correspondence that First Data just now got our cancellation request, firmly stating that their machine be returned immaculately, which, again, was sent back to them promptly last year in early XX/XX/XXXX. Furthermore, we have spoken over to phone to First Data and XXXX XXXX XXXX, and they claim that they do not know where our returned machine is and that, regardless, we are bound to make payments on this equipment for 48 months. This is clearly a predatory company, sending letters that look similar and that require the exact same information as the real, government XXXX XXXX   EBT letters do.