davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AL)

My Name is XXXX XXXX I receive government XXXX  XXXX  In XXXX, AL on a GO Program pre-paid card. On Saturday, XXXX, XXXX, 2020 there were five unauthorized purchases that were made on my account in XXXX, Georgia. I have my physical card and have never lost procession of it, so someone has skimmed my card to get the numbers. The purchases were at XXXX # XXXX for {$82.00}, XXXX  XXXX # XXXX for {$39.00}, and XXXX XXXX XXXX XXXX, GA for {$20.00}. Two were made to a " XXXX XXXX for {$4.00} and XXXX XXXX for {$7.00}, they were credited back to my account. I was successfully able to speak with someone on XX/XX/2020 when the initial charges were pending. I was told that they could not do anything until the charges posted. I then canceled and re-ordered a new card which I receive on XX/XX/2020. I have been trying to get someone on the phone so I could dispute the charges. The automated operator would not allow me to talk to a real person until I got the new card on today XX/XX/2020. I am now able to speak with a person but they have to transfer me to the fraud department which keeps me on hold for the longest 2hrs or 30min and then after that time the call disconnects. I am very angry with this process it should not be this hard just to talk to someone to dispute these charges this is very unprofessional. I am currently on hold as I am filing this complaint and it has now been 45 mins and counting. I have no money at this time for my child of which was waiting for this deposit to buy groceries and diapers. I really hope that you can help me recover the money that was lost. My Number is XXXX my e-mail address is XXXX XXXX
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

XXXX dollars was charged to my account on XX/XX/21 because of a transaction of XXXX dollars was not available in my account. This XXXX dollars was NOT available in my account and I was sent a notification of my card being declined. If my card was declined why am I always charged overdraft fees. I've tried 2 times to tell them to set up my account so that IF there is NO monet in there to not charge me. Wells Fargo has not taken care of this so this is the 3rd time. I feel like they want to charge me.
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (OH)

Vance and Huffman stated on my previous complaint to consumer finance.gov that they will be closing account and removing account from my credit reports. Instead they sent to XXXX and other bureaus that the collection account is correct. They lied and did not do as they stated and furthermore this is not my collection!!! I have zero knowledge of this account. I pay all of my bills on time and now am losing out on getting a home!!! They are completely messing with my quality of life. They absolutely need to deletXXXX this collection off of my credit AS THEY STATED THEY WOULD pubically on the consumer finance.gov website under complaints.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

XXXX. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under sectio

n 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. 

In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. 

Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. 

Most recent examples : XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a formal complaint that this company is engaging in deceptive practices. I submitted a complaint with cfpb ( plz see complaint # XXXX ). I complained about two companies reporting in accuracies on my credit report to which the company responded XX/XX/23 stating the disputed information does not appear on my credit report to which this is not true. The department of education account are very much on my credit report reporting negatively to which is hurting my credit and getting me denied for financial opportunities.
Consumer complaint received 2022-01-29
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: Bread Financial Holdings, Inc. (MO)

I had a sent off for a copy of my credit report on XX/XX/21 and noticed I have a debt entry being reported twice..The company Comenity Capital Bank sold the account to XX/XX/XXXX on XX/XX/19.Both Comenity Capital Bank and XX/XX/XXXXXXXX XXXX are reporting the debt resulting in double jeopardy. I wrote Comenity Capital Bank to asked if this debt can be deleted and not being reported because they no longer have jurisdiction over this debt because they have sold it. They refused
Consumer complaint received 2019-05-10
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. (NC)

I initiated a credit investigation with Experian on XX/XX/XXXX. I was supposed to receive a response within 30 days, but I have not.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game TransUnion permission to report anything on me? I need answers now!
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Lending Club Corp (NY)

I sent out a bill payment on XXXX to XXXX credit card. Lending club decided to take a review of my account. They reviewed the account and cleared it of fraud. However my check was rejected a month later on XXXX and XXXX is now charging me a {$39.00} fee. If XXXX 's does not waive the fee I want Lending club to cover it.
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (AZ)

I cancelled the extended warranty XX/XX/2021. As of today XX/XX/2021, my XXXX loan account doesn't show {$1800.00} reduction in the loan balance. I have called and emailed Chase Bank and XXXX XXXX to get this resolved. I just keep getting the run around.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers fair treatment, and whatever criteria they are using to make these decisions is discriminatory.
Consumer complaint received 2023-07-06
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. (NJ)

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, and XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2020-02-12
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. (TX)

I am still waiting on a new corrected credit score from Equifax in which I reported originally on XXXX ( Equifax reference XXXX-XXXX/Confirmation # XXXX ), stating that the current score of XXXX was not legitimate and should have been upgraded or kept stable at XXXX after the XXXX update with an increased point upgrade of near or over a 700 credit score, in comparison to both XXXX and XXXX  with both showing higher scores. It is nearing another 30 days ( due XXXX ) to update my score again from the last report on XXXX and Equifax still has not corrected or brought my score back up to normal status since I feel that there is still an ongoing security breach still existing that they wont admit when I spoke with them on XXXX.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have contacted all three credit bureaus about several inquiries on my credit report and I never received validation or proof of the inquires to be removed. 

I wish to file a complaint and have these items rectified. 

These are the names of the creditors and dates : Experian : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

TO WHOM IT MAY CONCERN, I AM WRITTING TO YOU BECAUSE IM SICK AND TIRED OF RUSHMORE LOAN MANAGEMENT SERVICES. I PLACED MY HOME UNDER A SHORT SALE DUE TO A HARDSHIP THAT IM GOING WITH MY FAMILY.

IT WAS VERY HARD FOR US TO LET THE HOUSE GO SINCE WE HAVE NUMEROUS MEMORIES WITH OUR FAMILY HOWEVER IT WAS TIME TO MOVE ON.

RUSHMORE LOAN MANAGEMENT SERVICES AGREED TO APPROVE THE SHORT SALE SINCE THE PROPERTY WAS ALREADY ON THE MARKET. WE ACCEPTED AN OFFER AND BUYER ORDERED HIS APPRAISAL WHICH IT CAME BACK LESS THAN THE OFFERED AMOUNT.

WE CALLED RUSHMORE LOAN MANAGEMENT SERVICES AND  TOLD THEM THAT BUYERS APPRAISAL WAS LESS THAN THE OFFERED AMOUNT ( XXXX ) CONSIDERING THE ORIGINAL OFFERED AMOUNT CONSIDERING THE BUYERS OFFER WAS {$610000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES SAID THAT THEY WILL STILL CONTINUE TO RE ISSUE THE SHORT SALE APPROVAL AT {$61000.00} EVENTHOUGH THE VALUE CAME LESS OUR JOB WAS TO FIND ANOTHER BUYER WHO WILL OVER PAY ANDFORCE TO PAY THE DIFFERENCE.

MY REALTO HAD NO CHOICE TO PUT THE PROPERTY BACK ON THE MARKETWHICH WE FINALLY FOUND ANOTHER BUYER WHO WAS WILLING TO PAY FOR THE DIFFERNCE FROM THE CURRENT VALUE OF {>= $1,000,000} ( PER APPRAISAL ) TO THE RUSHMORE LOAN MANAGEMENT SERVICES SHORT SALE APPROVAL AMOUNT {$610000.00}. 

NOW THAT WE HAVE A BUYER THAT AGREED TO THOSE TERMS, RUSHMORE LOAN MANAGEMENT SERVICES IS NOW ASKING FOR A HIGHER AMOUNT OF {$620000.00} WHICH TO MY UNDERSTANDING THEY ARE TRYING TO TAKE ADVANTAGE OF THE BUYERS. WHEN RUSHMORE LOAN MANAGEMENT SERVICES ALREADY HAD AGREED TO {$610000.00} TO SELL THE PROPERTY.

I FEEL THIS IS NOT FAIR FOR ME OR MY FAMILY CONSIDERING WE ARE TRYING TO MOVE ON AND RUSHMORE LOAN MANAGEMENT SERVICES IS JUST LOOKING TO TAKE ADVANTAGE OF MY FAMILY AND THE BUYERS. 

PLEASE HELP I DONT KNOW WHAT TO DO CONSIDERING I HAVE DONE EVERYTHING TO MOVE ON. 


XXXX XXXX
Consumer complaint received 2020-02-12
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. (TX)

I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX   XXX {$730.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER 7-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have a bankruptcy that was discharged JXXXX. Experian is reporting serval accounts as closed and still reporting inaccurate data.XXXX XXXX  DELAWARE Closed 1 potentially negative month XXXX XXXX XXXX  XXXX XXXX XXXX potentially negative month Closed XXXX Closed 1 potentially negative month XXXX XXXX Closed 1 potentially negative month XXXX XXXX XXXX Closed 1 potentially negative month XXXX XXXX NA Closed XXXX potentially negative months. All this is inaccurate information I was never late. Please have experian investigate in accordance with the fair credit reporting act.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I XXXX in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by Transunion, its impacted my credit score negatively.

There is something very wrong with this. I understand that Transunion and XXXX are separate companies, but with XXXX my score fell for the same reason 8 points. 
Its like Transunion is working against me and others. There is something very wrong with this picture. 
Transunion uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. Transunion has caused me great harm. I am very upset.please advise.
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (OH)

in XX/XX/XXXXI bought a used XX/XX/XXXXcar and was financed through Consumer Portfolio Services. I was never told it was a simple interest loan. The interest rate is 20.45 %. The car was sold at XXXX. To date, I have paid {$16000.00} on the car and CPS has applied it all towards the INTEREST. The principle has only had XXXX applied to it. I have paid XXXX in 5 years in fees. 

I was not told that I had to " mail payments in by check '' if I wanted it applied to the principle until I finally asked what was going on in XX/XX/XXXX. 

I am having financial difficulties and they repossessed the car on XX/XX/XXXX. I have asked them multiple times what I needed to get a lower interest rate or what I needed to do get out of this loan with no answers. 

About 3 months ago I had to tell them to stop harassing me at work and in the evenings with constant calling. 

These are deceptive lending practices. I need help. If i keep this car I will have paid almost XXXX for a XXXX car.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TX)

I have 2 medical Bills from end of 2019. I have had full Medical insurance since XX/XX/2019. I was not made aware of these charges from my insurance carriers. This is covered by my in network insurance. XXXX XXXX XXXX XXXX. If money is owed I pay my insurance. They pay amount based on my insurance. Which makes me believe that the medical professionals didnt submit proper paperwork to my insurance. They need to remove and contact my provider.
Consumer complaint received 2020-02-12
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. (NJ)

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report