davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (NY)

On XX/XX/2019 I was notified by an agent of Prosper, employee # XXXX, that my payment was 7 days late, this was the first payment due. I had set the account up for auto payment and submitted all the correct account info to Prosper evidences by the fact that same info was used to transfer the loan proceeds to me. As I spoke with the aforementioned employee it was uncovered that Prosper had made a data entry error and was missing one number in my bank account number. I provided the correct number and agreed to have them take the payment they refused stating I had to authorize a new account. I explained that this was not a new account, they agreed but stated that they wouldnt take the funds without me adding a new account. I was transferred to a supervisor employee # XXXX, she confirmed they would not take my payment unless I authorized a new account basically stating the error was my fault which it clearly is not. The kicker is that they have charged me for a failed payment. I asked that the payment be waived and they confirm that there were no fees applied to my account and no credit reporting. The supervisor only said she would request this but couldnt tell me if that would occur.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (WA)

On XX/XX/2022 I tried to open a CITI checking account online. It was pending presumably because of a fraud alert I have with the credit reporting agencies. It took 3 weeks before a CITI employee tried to contact me to verify my identity. They left a voicemail with instructions on how to contact their fraud department except that the instructions are incorrect as every time I call I am diverted to CITI 's general customer service dept who has proven absolutely useless in being able to connect me to the fraud department. 

Instead of asking customers to enter their SSN ( which is unrecognized in my case because I don't yet have an account with them ) CITI needs to have the customers enter the file # because that is what is in their system. 

I have called CITI 's so called executive response team several times and they have also been unable to connect me to the proper dept. Absolutely the worst and most frustrating customer " service '' experiences I have ever had.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (SC)

My husband XXXX XXXX has his paycheck direct deposited into my account. XXXX paid biweekly. Payroll goes out that Monday. We receive the deposit on Wednesdays. Weve had this set up for months. Now all of a sudden, this week there is no deposit. The bank has no explanation. They keep giving me generic information each time I speak with someone. XXXX XXXX XXXX stated that the payment was sent to the correct account. The bank is not showing the funds pending or available. No one has an explanation.
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OK)

I was checking my credit report and noticed 1 derogatory mark from Diversified Consultants Inc. In my report it is claimed the account is mine, which it is not. I have submitted several letters and done disputes asking for validation of the debt baring my signature or contract and have no received such information. Only thing I have received is itemized letters which do not count as validation and actually show different balance then what is being reported on my credit report. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (CA)

I went to purchase a car at XXXX XXXX  in XXXX and was told by a sales associate after my credit report was ran that I was getting the car financed at 8 % with a payment of XXXX  each month. When its time to sign papers with the finance manager he changed the contract to 11.6 % and a higher payment to XXXX. When I asked him why it changed he replied that it was because my payoff on my trade in was different from what the sales agent seen when it actually wasnt. They wrote a different payoff on my contract than they actually paid off, it is different. So they owe me money or my apr should have never been changed. Also when I asked the finance person why it changed he replied with didnt sales go over this with you
Consumer complaint received 2022-06-13
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I notice a fraudulent hard inquiry, I called Experian right away and placed a fraud alert and ask them to remove the inquiry for my credit report. They help me with the fraud alert but they haven't remove the fraudulent hard inquiry. Please help me removed this fraudulent hard inquiry from my credit report. XXXX XXXX XX/XX/ 2018 2018
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report, I notice a hard inquiry that was fraudulent. I called Experian and explained to them that I have been a victim of identity theft, also ask them to remove the fraudulent hard inquiry from my credit report. Please removed this fraudulent hard inquiry from my credit report, thank you very much for your help. XXXX XXXX XX/XX/2017 2017
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R&R Professional Recovery, Inc. (MD)

This company was retained by the original creditor and the original creditor failed to bill the health insurance company in a timely matter. This stemmed from an auto accident case. The original creditor waited over a year to bill the insurance company. The insurance information was provided at the time of service ( in XX/XX/XXXX ). They waited to bill me untilXX/XX/XXXX. I worked with the health insurance company and their Director tried to get the provider to file the claims so that it could be processed. However, because the provider waited over one year to file the claim, it caused the claim to be denied for timely filing. They are contracted with my insurance company and should have filed the claims in a timely manner. I had no idea that the provider hadn't submitted any of these claims and had to call them and ask them to submit the claim. They should not be allowed to submit claims at their leisure and then try to collect payment because they've failed to submit the claims in a timely fashion. I've tried to communicate this with the provider. I even leveraged the insurance company who tried to get them to submit the claims to at least have them processed and in their system. Providers should not be exempt from having to submit claims to insurance companies in a timely manner. I understand that they treat people with auto accident injuries and would rather collect rather sums of payment if the case settles or a judgement is awarded, however, not to process insurance information to try to jeopardize the patient 's financial situation is not fair.
Consumer complaint received 2018-05-01
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. (PA)

THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX  AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with TRANSUNION ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. TRANSUNION is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " XXXX '' ... it's AKA.
Consumer complaint received 2023-07-24
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 (VA)

Bank of America handles card processing for agencies of the XXXX XXXX XXXX 
I made a charge on a card for the XXXX  XXXX. of XXXX in XXXX, XXXX. I didn't think it went through so made a second charge for {$3600.00}. I realized it did go through and immediately issued a refund in the amount of {$3600.00}. I showed my processor, XXXX, that record. 
On XX/XX/XXXX, I was notified the client had filed a dispute and I was being charged {$3600.00} plus a {$15.00} " dispute fee ''. That money was deducted from my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. It has not been replaced as of XX/XX/XXXX. 
I can't get anyone at XXXX to issue a refund and can't find a number to call to discuss this with Bank of America. 
I'm being told they have up to 30 days to resolve the issue and re-imburse me. XXXX is also asking to have access to my banking records, and I declined to give them that access.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Credit Corp Solutions Inc. for committing identity theft. I have never given Credit Corp Solutions Inc , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Corp Solutions Inc, Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Corp Solutions Inc. continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions Inc, Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (CA)

This debt was a Jewelry store account in which I had insurance that paid the account if I became unemployed. I was told by the debtor several time that the debt would be removed. I tried several times to remove this debt with the debtor and the credit reporting agencies. This account is over seven years old and should have been removed. This debt is causing a negative impact on my credit file.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (AK)

I have carried a bank card for many years that has the Master Card logo on it. I assumed that for all of these years it was being reported on my credit report and assumed it was helping me to establish credit. Since I have carried and utilized it for MANY years in good standing I decided to apply for a real credit card, only to find out that I STILL have " Unestablished Credit ''. WHY are these banks allowed to utilize the credit cards logo if it DOESN'T get reported onto your credit report?
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Southwest Credit Systems ( SCS ) first tried to collect {$330.00} on behalf of XXXX in XXXX. I spoke to an agent at SCS advising that I never had an account with XXXX and that the name as they reported was not spelled the same as mine. SCS advised me to freeze all three credit bureau accounts and to file a police report, which I did ( see attached ). My wife and I are in the process of buying a new home and the mortgage company required us to unfreeze all three reports to pull a current report. The credit reports pulled last week showed a delinquent account of {$330.00} from SCS. This resulted in a dramatic drop in my Excellent credit score rating to Fair. This impacts our mortgage financing negatively incurring higher closing costs.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I called equifax to obtain a copy of my credit report, I was told because I couldnt answer the question thats on my credit report that I have to fax a copy of my ID and social security card, against my better judgment, I faxed it but I havent received a copy of my report. The purpose of contacting the credit bureau is to see what is on your account. Because the question that was asked either had nothing t I do with me or the questions are so old I dont remember. I want my credit report because I feel the data thats listed is incorrect, and I have been denied credit because of this.
Consumer complaint received 2024-03-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (MD)

Date : XXXX XXXXSent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974, Fair Debt Collection Practice Act The Health Insurance Portability and Accountability Act of 1996
Consumer complaint received 2020-07-26
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)

I left these out on the other complaint. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX REF : Confirmation Number XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXXXXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a XXXX since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXXXXXX XXXX, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show XXXX 's kindness to Veteran who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
Inquires 1- XXXX XXXX Show Details XXXX 2-XXXX XXXX XXXX Show Details XX/XX/XXXX 3-XXXX XXXX XXXX XXXXXXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is essentially owned by XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX, a XXXX XXXX Transfer was set up fraudulently in the amount of {$300.00} ( x3 transactions ) and {$150.00} ( x1 ) for a total {$1100.00} to come out of my checking account, as an ATM bankcard transfer. I did not set this up. I did not provide my ATM information to anyone and believe my card must have been fraudulently copied or obtained illegally. I notified the bank the same day when I received an email confirmation from XXXX XXXX regarding the transfer. The bank initially closed and refunded the money. However, the bank then came back and denied the investigation stating they found the charges valid. M & T Bank confirmed the money wire was picked up in The XXXX, NY on XX/XX/XXXX. XXXX XXXX claims the money was picked up in XXXX Washington on the XX/XX/XXXX. The transfer was set up in the name of XXXX XXXX XXXX. XXXX is my maiden name which I haven't used legally since XXXX. XXXX XXXX stated XXXX XXXX XXXX ( my daughter ) was the receiver of the funds, but she was not the receiver of the funds. I have sent funds to my daughter in the past in XXXX but it required a confirmation number. These funds did not go to my daughter and I did not authorize funds to be transferred. I believe someone has used previous transaction records to fraudulently set up this transfer. I have disputed this with the bank and XXXX XXXX. XXXX XXXX complaint was filed with them in XX/XX/XXXX and they have delayed the investigation and have not gotten back to me. They asked for a police report which provided in XXXX. As of XX/XX/XXXX at XXXX, Ms. XXXX told me to call back in another week. They always stat e to call later. Several case # s assigned. Bank and XXXX XXXX refusing to help. I had bill pay set up on my account and this has caused significant hardship with overdraft fees and late payments.