davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give XXXX, XXXX nor Equifax written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: CarMax, Inc. (NC)

My debt with CarMax Auto Finance should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the XXXX bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear Staff This is XXXX XXXX reporting AAA credit card issued by bank of america. 
The staff is very elusive, not willing to listen saying " it is too long or a tedious job or we mailed the statement. '' Everything started with XXXX returned merchandise. Investigating, Bank of America has charged twice the amount ( cycle XXXX XXXX to XX/XX/XXXX). Contacting several times the supervisor all gave elusive answers except one who is currently investigating. 
On XX/XX/202 deciding to clarify I have contacted the bank again and going to the previous cycle XX/XX/XXXX to XX/XX/XXXX with the associate we met a final owed balance of XXXX. Furthermore going to this cycle we found 4 disputable items XX/XX/XXXX XXXX and XXXX and XX/XX/XXXX XXXX and XXXX dollars. On XXXX XXXX I have called the dispute dept. because I alerted them that XXXX XXXX direct has contacted me alerting me that refund was posted. Non intelligently they admitted so and thank me for the alert. 
In the billing cycle XXXX XXXX to XX/XX/XXXX XXXXhave a credit of XXXX. 
Going down the line with the Manager from NY Call center a at XXXX am ending time, reluctlanty wanted to disclose further info and also was erratically go down the purchasing too fast in order to make calculations and I have found XXXX from the previous cycle twice charged to my card. 
Furthermore, the machine disclamers different amount due to added purchase. 
As a consumer, I do not feel secure with this bank and I believe they have a confused way to do mathematical operations. Please investigate. I can be reached by dialing XXXX. 
Respectfully XXXX XXXX
Consumer complaint received 2020-12-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

My account was paid in full as of XX/XX/2015 to Wells Fargo Dealer Services/Wells Fargo Auto. Wells Fargo Dealer Services reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from Wells Fargo Auto that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.
Consumer complaint received 2020-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (KY)

I received a direct deposit of my paycheck into my PayPal account. PayPal closed and froze access to my funds even after I sent in documentation and proof of my identity. PayPal is still holding this money and it has been over a year. My email on file with them is XXXX. please help me
Consumer complaint received 2018-04-26
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. (NE)

TransUnion is reporting a collection that is not mine. The Collection agency is XXXX in XXXX Montana claiming a bill is owed to XXXX XXXX XXXX for {$250.00}. The other two agencies, XXXX and XXXX already removed. XXXX sent me a bill, that shows XXXX XXXX in XXXX is who owes the debt, NOT me, XXXX XXXX in XXXX. XXXX is also spelling my name as XXXX XXXX. 

Please get them to delete this per FCRA as it is inaccurate. 

XXXX XXXX
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

Company Involved : Ameris Bank, Mortgage Services Problem : Lender ( Ameris Bank ) is refusing to drop Private Mortgage Insurance ( PMI ) although I have reached conditions for dropping it as listed on my PMI loan disclosure. Repeated attempts to talk to a supervisor at their company have failed and lender considers the matter closed. I continue to be charged a monthly PMI fee. 

Mortgage PMI Information : According to my Private Mortgage Insurance Disclosure ( attached ), I have the right to request my PMI be canceled on or after either the date the principal balance of my loan reaches 80 % of the original VALUE OF THE PROPERTY. It goes on to state that the PMI will automatically terminate when my loan reaches 78 % of the VALUE OF THE PROPERTY. 

Steps I took : 1. XX/XX/2020 : I made an email request on the Ameris ( lender ) online account to have PMI dropped and giving relevant information. I did not receive a response. My mortgage principal had dropped to 77.9 % of the value of my home. 
2. XX/XX/2020 : I called Ameris to make the same request by phone. I was told that I could make a request that the PMI be dropped, but that it was up to them. I had the associate put in the request. The associate told me that they would get back to me within 5 days. I also asked to be transferred to a supervisor, however supervisor was unavailable. I left a message on the supervisors voice mail, but the supervisor did not return my call. 
3. XX/XX/2020 : I called again to the mortgage company because I had not received a response. I was told that my request was still being processed and would be completed on Monday, XX/XX/XXXX. 
4. XX/XX/2020 : I had still not received a response from lender, so called again. Was told that a letter had gone out on the XXXX ( in contradiction to the information I was given when I called on the XXXX ). The associate told me that the PMI request was denied because I did not reach less than 80 % of the amount OF THE LOAN. I read to the associate my disclosure statement saying that the amount only needs to be 80 % of the amount of the PROPERTY VALUE. She attempted to put me through to a supervisor, but again, a supervisor was not available. She assured me that a supervisor would call me within 24 hours, but that did not happen. 
5. XX/XX/2020 : I received an email from Ameris, stating that they mailed me a letter with their determination on XX/XX/2020. 

Resolution desired : 1. At a minimum, the PMI to be dropped. 
2. In addition, I believe that the amount paid for the PMI, since the time it should have been removed, to be credited to my account. 

Additional Information : I have excellent credit and have never missed a mortgage payment. My wife and I have been paying extra in order to pay down the principal and eliminate the monthly PMI payment. 

Loan was originally by XXXX XXXX, but then sold to Ameris.
Consumer complaint received 2016-02-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (SC)

I applied for a refinance loan from PNC Bank in XXXX. The loan was to cover a PNC mortgage and a home equity loan. I am XXXX and my wife is XXXX. We had to cancel a loan application from another company because they asked to copies of cancelled checks from my wife 's clients they wrote to pay her. This is a requirement she can not provide. I informed PNC of this problem when I first contacted them. A loan officer last named XXXX, told me that was not a requirement took my loan application and {$500.00} for an appraisal. XXXX XXXX informed me via email that the loan was approved and gave a closing date of XXXX/XXXX/16. The time was later set at XXXX XXXX. However, at XXXX XXXX XXXX called me and said that the check copies would not be required to close. I told her we would not give the copies ; and even if we could, we could no do it in time to make the closing. I therefore feel that PNC lied to me, misled me, and took my money under false pretenses. I also think that the requirement for the copies was just an excuse to cancel the loan. Had PNC Bank told me at the beginning that the copies were required or that they feel uncomfortable loaning money to the XXXX or XXXX, I would not have proceeded with the application.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (LA)

Monthly I tried to correct my reports. There is a big issue with these credit reporting companies. They have been hit with lawsuits and still do not meet qualifications to handle the consumers information. 
There is a major economic problem in the nation and they seem not to understand! 

Since there is an economic issue affecting people way of paying their bills, why are not the reporting done better to help the consumers and not hurt the? There is no compassion with these companies.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021 ordered a sofa, chair and desk. 
on XX/XX/2021 my card was charged for the sofa. 
Received the sofa on or about XX/XX/2021. 
Contacted XXXX to indicate it was the wrong color. 
XXXX sent a pick up label and asked that we attached it to the box. 
The sofa was picked up between XX/XX/2021 and XX/XX/2021. 
I have never received credit for the return. 
I contacted Chase on XX/XX/2021 and entered a dispute. 
On XX/XX/2021 Chase rebilled my account for the charge stating that I received the sofa. 
I called the disputes department on XX/XX/2021 and was asked to send proof that the sofa was returned, which I did. 
I called the dispute department on XX/XX/2021 and was told the dispute was closed and that I would have to go back to XXXX ( which I have done no less that 10 times ). I tried to confirm that my additional information was received and was told the dispute was closed.

I not have to pay for something that was returned over two months ago.
Consumer complaint received 2022-10-19
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: ACIMA CREDIT, LLC (TX)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2022-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

I applied for a HELOC on XX/XX/2022 online with USBank. They are my primary bank, and I have my first mortgage with them. I have outstanding credit and clean payment history with them. Initial disclosures went out within the first few days, within compliance timelines. The house is in a trust, so they requested trust paperwork. We provided it timely and they responded back saying we needed an updated, notarized trust cert. We paid for the notary and got it completed and uploaded. They rejected the document with no reason as to why, so we reuploaded it. I believe they did so to trigger a XXXX and buy themselves processing time. I reuploaded the document on XX/XX/XXXX, and have yet to hear back from them. I have emailed and phoned the mortgage representative numerous times and have yet to get a response. 

I believe they are abusing their systems to get around RESPA and TRID rules. Its borderline pathetic.
Consumer complaint received 2020-12-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I unlocked my credit report with all XXXX credit reporting companies, XXXX and XXXX are unlocked and only Experian says it is unlocked but solar company keeps getting the same message " Report is locked ''. 

this is unacceptable! I can wait 100 days until your office gets a response on why this is happeneing! 
Did Experian get hacked again? 
who is paying the savings I would have from XXXX by having solar panels installation delayed? That would be over {$500.00} if I could get them installed within the next XXXX weeks! 
I can't get anyone on the phone on Experian and even the chat sais no agents are available... only get computer voice asking questions which dont help...
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with neither am I liable. I do not have a signed contract nor any type of contract with. I have the right to demand and see the contract between and myself! Please send the proper validation
Consumer complaint received 2020-12-18
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MS)

The below debt is not verified and I was never notified of the debt and it has a past due balance. 

Account info Account name SOUTHWEST CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-05-13
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. (TN)

The company still reporting unverified and inaccurate information as verified and accurate, despite letters I sent to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputing, the first account with original balance of XXXX ; the second item with original balance of XXXX ; the third item with original amount of XXXX ; the fourth item with original balance of XXXX and the fifth item with original amount of XXXX. The company sent 4 responses stating the information I disputed are verified and accurate and was updated without performing any investigation, because the company kept send me a report with same information.
Consumer complaint received 2022-05-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with neither am I liable. I do not have a signed contract nor any type of contract with. I have the right to demand and see the contract between and myself! Please send the proper validation
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC (FL)

I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (MI)

My lease is currently with KIA MOTOR FINANCE. I am trying to refinance this leased vehicle with another lender. I have requested a lease-end buyout quote in writing on KIA letterhead on five different occasions : Date Time EST # called Item requested result XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX XXXX lease-end buyout quote never received XX/XX/2020 XXXX XXXX  XXXX lease-end buyout quote never received I am not sure how else I can obtain this document.
Consumer complaint received 2022-05-13
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. (MD)

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Please help my account was closed without my permission and Capital One said they couldnt do anything. I have been paying payments every day and have tried to hold this account up so I can fix my credit. This account has been closed without my permission and without my knowledge. All of the sudden one day I just couldnt log into my account. I am trying to buy XXXX presents and this was the only card I had to use and it had available credit for me to use but now they say they cant do anything. Please help I need to buy XXXX presents! Please help!