davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NM)

For months, my bank, Simple, has notified its customers that they were closing and we would be automatically transitioned to BBVA. Yesterday was the transition date and now every Simple customer has lost access to their money for two days now. BBVA has done nothing to remedy the situation aside from a few incorrect tweets. There was clearly no testing done on this important transition and the response clearly shows a lack of care on the part of BBVA.
Consumer complaint received 2020-07-29
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. (MA)

Identity theft and XXXX trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Consumer complaint received 2020-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (NY)

XX/XX/2020 After multiple request of complete validations or any proof that i owe this bogus debt not owned by me by multiple companys in the past what was requested by me by certified mail ( have all the proof ) and NO PROOF OF ANY KIND HAS BIN PROVIDED TO ME EVER and again sold to another bottem feeder with no proof what soever trying to claim i owe this debt after 13 years. 
Do your homework and check all your files i have mine in order. 
Thers nothing out there it aint mine. 
SYNERGETIC COMMUNICATIONS, INC is in violation with the FDCPA by illegal and unfair debt practices by collecting in behave of other companys with no proof provided knowing complete validations has bin requested by me in the past. 
More complaints will be filled with the FTC and XXXX. 
A COMPLETE FRAUD.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

In early XXXX we received notification that our tax collector. I made phone calls XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. On XXXX I spoke to an escalation manager by the name of XXXX and was instructed to forward copies of our bills and notices to him, after several attempts of emailing these items they were finally attached to the correct account. I was then told that a payment was sent on XX/XX/XXXX in the amount of {$1600.00} was mailed but not received by out tax collector. I have not received any proof of anything being paid or anything corrected. 

On XX/XX/XXXX I spoke to an escalation manager who informed me that the taxes have not yet been paid. I am hesitant to believe that this will be taken care of before my credit would be harmed on XX/XX/XXXX. 

XXXX XXXX
Consumer complaint received 2022-07-23
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. (FL)

I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the national credit system account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and Transunion provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

Transunion and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-29
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. (OR)

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment.

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at.

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

I had a background check ran for employment at XXXX by first advantage, but was denied employment due to the results of the background check. After further review of this information, I noticed that it is reporting assault-causing bodily injuries but I was never convicted of that charge. I was put on 2 years deferred adjudicated probation and successfully completed the probation. My research indicates that after successfully completing deferred adjudicated probation that the charge will still pull up on a background check, but it will not say that I was convicted. However, the background check reports a conviction. I tried to contact them to dispute this information but have not got no response from them. 

I'm also noticing a address of XXXX XXXX XXXX, XXXX, Texas. I have never lived at this address. I'm hoping you can help me out. Thank you for your time.
Consumer complaint received 2022-03-03
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. (MI)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX  Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2020-07-31
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had recently moved to a new city and opened this checking and savings account with Capital One and they closed it in a few days after I received my salary and my rent was due in a few days. I received my money after XXXX days where I had to pay my rent my borrowing money from my brother who lives XXXX This was really embarrassing and inconvenient to say the least. I was provided with no logical explanation and I vowed to never return to this brand for my banking needs. 

I received the following email : We're closing your Capital One 360 deposit account ( XXXX ) because we confirmed you're misusing them. Any CD ( XXXX ) were closed without penalty and with the full maturity value. 

We're sending the funds- plus any interest earned- to your linked external checking account and they'll arrive in XXXX business days. If you don't have a link or your link 's closed, a check will arrive by mail within XXXX business days to your address on file. 

I tried contacting the bank and even visited the branch and talked to the representative and they said they could do nothing. 

I faced a lot of financial hardship due to this and not to mention I had just moved to the city and even my first salary was stuck due to this.
Consumer complaint received 2020-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries XXXX XXXX   XXXX XXXX
Consumer complaint received 2020-07-27
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: AMERICAN EXPRESS COMPANY (CT)

I canceled the {$83.00} charge with American Express from XXXX because a event I had signed up for was canceled DUE TO COVID and the insurance should have been refunded as well DUE TO COVID. American Express claimed to have reviewed the account - but DID NOT. They only sent me a web link and DID NOT ISSUE A REFUND OR investigate the complaint. I want a full refund!
Consumer complaint received 2021-04-27
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. (OH)

XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
Consumer complaint received 2022-11-03
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: T.S. Holdings (IL)

XX/XX/2021 {$2600.00} original {$2800.00} balance... I have sent them two rounds of letters asking for them to provide the original contract with my signature or delete the info. They have not provided to correct documents.
Consumer complaint received 2022-11-03
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)

On XX/XX/2022 I filed a dispute with all three bureaus : XXXX, XXXX XXXX and Equifax involving a Parent Plus Loan for {$1600.00} with XXXX for XXXX XXXX that was fraudulent. All bureaus responded back that the merchant validated the dispute by verifying my name and address solely, which is not a thorough investigation of any kind especially considering that with fraud that information is already knowledgeable to the person or body committing this offense. At no point did they cease the reporting of the erroneous information until a thorough investigation was completed mainly due to the fact that they failed to conduct a proper investigation. I provided all bureaus with tangible proof and information, and they still failed to investigate what was being reporting to them as well as refuse to remove the negative marking as well.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is for Bank of America, aka BoA. I am a new customer for BoA credit card. 

I set up auto pay for my credit card before the XXXX due date but still got charged for {$33.00} interest fee and {$29.00} late fee for not making full payment on the due date in the XX/XX/XXXX statement. 

I paid in full on XX/XX/XXXX when I realized that BoA auto pay did not take effect on the XX/XX/XXXX due date. 

I called BoA on XXXX and XX/XX/XXXX and they agreed to revert the late payment fee and interest fee because the autopay pay did not work in XXXX. However, only the {$29.00} late payment fee was reverted. Then I called BoA again on XX/XX/XXXX. They refused to revert the interest fee because that was a valid charge.
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

A false collection has been assigned on my name which I do not owe and has been paid by my roommates for XXXX XXXX utilities con services for the period of XXXX to XX/XX/XXXX. 

I had left from lease for the apartment which i was staying in XXXX XXXX in XX/XX/XXXX. My roommate had got the XXXX XXXX utilties account transferred to her name and paid the bill in XX/XX/XXXX. I can provide her bank statment for the payment made towards the XXXX XXXX utilties. 

The collection agency is Rash Curtis collections. I had requested for the itemized bill for which the collection charged. The company sent a corrupted zip file in email within 5 minutes of the request. When I called them again to request for the non corrupted pdf file, the collection person said they will send the file after the call. But i have not received it for 2 days. 

I had also visited the apartment leasing manager in XX/XX/XXXX and ask her to clear this with collection agency, since she was the one who had forwarded it to collection. 
She had called up collection agency and asked them to clear it since there was no pending balances.But it is still not cleared and there is no way to get this resolved. 

Please help with false collection which is assigned to me. I have attached the file which was emailed to me by Rash curtis which was corrupted. I have also attached the email from them.
Consumer complaint received 2022-11-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I opened an account for a credit card with XXXX XXXX, my card defaulted and I paid off my debt as a result. XXXX XXXX sold my account to Portfolio Recovery and despite me having paid off my debt, aggressively pursued double the amount I owed. They harassed me via telephone, email, and mail ; and have yet to prove I owe them ; because I do not. When I disputed this debt with XXXX, XXXX, and XXXX, they investigated but found no conclusive evidence to make a determination. As a result I continue to received unsolicited mail from this company and my credit report has yet to remove the unproven debt from my report.
Consumer complaint received 2022-07-23
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. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  Original creditor XXXX  XXXX XXXX Balance
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

In XXXX  I was a victim of a Ponzi Scheme where I was scammed out of {$750000.00}, I have provided screenshots of my XXXX along with the invoices from my lawyers that was also XXXX. This statement of facts articulated the scheme to defraud and I also provided the bank my efforts to resolve the issue with webull. Let me be clear, this scam has put me in a ruinous financial position, I have lost everything because of this scam. Citibank will only respond to my complaint with a generic answer that since I authorized the charges, I cant dispute them. I never stated that I didnt authorize the charges, my complaint was that I was scammed in my investment. The scam is so complex that can only be explained in my statement of facts. Ignoring my statement of facts which I spent XXXX for my lawyers to put together is a smack in my face and a failure of duty on Citibanks behalf. I will be forced to file for bankruptcy with this decision. My life has completely ruined and I would hope that my bank would defend me in these efforts. Please know, that recovering money from a Ponzi Scheme is impossible.
Consumer complaint received 2020-07-30
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. (CA)

The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

After several intimidating phone calls from Portfolio Recovery Associates LLC, I made a payment of {$1100.00} to them. When I realized that I could dispute the debt, I requested for a signed legal binding contract from XXXX XXXX showing that they were assigned to collect the money they insisted that they were told to collect. They only sent bank statements. They never showed or sent any signed, binding contract with XXXX XXXX to collect the payment. Since they were not able to provide such information to me, I demaded that my payment be returned because they fradulently took my payment. I really want my hard-earned money back.