davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from Equifax and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Consumer complaint received 2022-02-26
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. (MS)

There has been several wrong items on my credit report. I am a victim of identity theft and as result fraudulent inquiries and charges that have been made on my credit card accounts and a misrepresentation of my creditworthiness is publically displayed to lenders thus causing financial hardship and premature denial of credit.
Consumer complaint received 2019-07-31
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 have made numerous disputes through Experian regarding the incorrect reporting by XXXX XXXX XXXX. Experian is aware that my identity was stolen, due to several data breaches that my profile was part of. XXXX XXXX XXXX did not allow me to take the proper steps to dispute the fraudulent charges due identity theft and I was unaware, due to XXXX XXXX XXXX sending documents to me through the incorrect mailing address and telephone number. XXXX XXXX XXXX was sending documents to me, to an old mailing address that I had five years ago, which I had reported to the CFPB. In my last complaint/dispute that explained this to Experian, they did not do a proper investigation because if they had, they would have found out that XXXX XXXX XXXX was sending documents to an old address, in which they should have had my new address because I updated it, over a year ago. XXXX XXXX XXXX did not send me documents until late XXXX to my current address, in which they retrieved from Experian during my dispute. Still to date, XXXX XXXX XXXX has not responded to my last dispute/complaint, which was on XXXX/XXXX/2019, through the CFPB. It's been over 40 days and within the time of that dispute, XXXX XXXX XXXX sold my account to a creditor named XXXX Collection Agency, as told to me by a XXXX XXXX XXXX representative, after I told them that they had not responded to my last dispute/complaint through the CFPB on XXXX/XXXX/2019. In less than a month, on XXXX/XXXX/2019XXXX XXXX XXXX XXXX had sold my account to the name above credit agency without handling my case of fraud and stolen identity. I would like for Experian to remove XXXX XXXX XXXX from my credit report and the charges are fraudulent due to my identity being stolen and because XXXX XXXX XXXX has not responded to my dispute with the CFPB that was placed on XX/XX/2019 ( over 40 days ) and XXXX XXXX XXXX sold the account to a collection agency, as told to me by a XXXX   XXXX XXXX representative. XXXX XXXX XXXX was made aware of my identity being stolen and fraudulent charges and they still left my complaint without a notification or response from XXXX/XXXX/2019 and sold the account. I would like for Experian to remove XXXXXXXX XXXX XXXX from my credit report.
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX  agency balance of what they were sueing us for they report we still owe {$460.00}, after giving XXXX XXXX for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX XXXX XXXX XXXX XXXX home office to no avail. This is still being reported on our credit files erroneously since XXXX. I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help
Consumer complaint received 2019-07-31
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. (FL)

hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.
Consumer complaint received 2019-07-31
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. (FL)

hello, i have been making monthly payments on this account for months. said payments are automatically sent via bill pay from my bank on the same day each month. 

the payments are not reflected on my credit reports. is that legal??? 

also, my credit report shows that i am late. while the payment isn't what " you '' want from me, it is something. it is what i can afford. is it legal to report late each month when payments are being made? 

at least i am making an effort, an attempt, and doing the best i can to pay. 

i have phoned XXXX in an attempt to speak with the gal who answered my last cfpb complaint, yet no one knows who she is so therefore no one can get a message to her. perhaps she is using a fake name.
Consumer complaint received 2015-11-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc. (NY)

My card and pin was stolen by a friend, revolut staff claims they investigated but they did not, because if they did they would have looked at the ATM AND MERCHANT VIDEO SURVEILLANCE CAMERAS AND OBSERVE IT WAS NOT ME AND THESE WERE UNAUTHORIZED TRANSACTIONS WHICH WAS THEFT AND FRAUD.AND THE STAFF OF REVOLUT IS XXXX THEY THINK XXXX XXXX XXXX XXXXXXXX THAT I AM RICH THIS IS NOT TRUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} was stolen out of my account and they just won't take any responsibility.
Consumer complaint received 2022-10-09
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. (FL)

The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SIMMONS FIRST NATIONAL CORPORATION (TX)

I paid off my loan and received my car title, so am sharing this information in order to protect other customers who may be experiencing the same issue without their knowledge.

I made six payments to 1st Simmons ( Arkansas ) over the course of several weeks, each time stipulating that the entire amount be applied to principal. In every case Simmons applied as a regular payment, not toward the principal. I exchanged over twenty emails with Simmons to correct the misapplications. The person handling my complaints to correct the misapplications was very professional and very helpful but the problem continued to recur.

1st Simmons website has no mechanism, no special button to click, to apply the payment to principal as is the case with the websites of other lending institutions with which I have loans. Instead, the Simmons website has a notepad on the payment screen. On each payment that I made I entered a message to apply the entire amount to principal. On each occasion the payment was not applied to principal. Making a principal payment over the phone with Simmons requires an extra fee. 

If I had not followed through to check that my payment went to principal as I requested, I would have paid more on my loan. This may be happening to other Simmons customers.

After final payment and receiving my title, I sent an email, requesting that the email be forwarded to management, explaining my concerns and th
at I felt obliged to make other potential customers aware of the situation I experienced with Simmons. I received a reply back ten days ago saying that my email had been forwarded to  management. I have not received a response from management.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have submitted this complaint multiple times to emphasize the urgency of the matter. It has come to my attention that several accounts were opened in my name without my explicit consent. Given the severity of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-02
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. (CA)

I submitted a new complaint to the CFPB with respects to XXXX XXXX  # XXXX on XX/XX/XXXX advising I have asked the credit bureaus to provide me with documentation of how the properly did an investigation on XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX/XXXX and how they were able to " verify '' the account. 

I am being told they verified the information but how? I have not received anything from the bureaus or the finisher so how is this possible? I am a real person and I am being ignored. I have asked several times as I have the right to have proof of the investigation. According to the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit buraus are stating my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, and the date last activity is inaccurate. I have attached another copy of the report to show this is still inaccurate as of XX/XX/XXXX. This is grounds for removal. They also have violated my rights under : 15 USC 1681 Section 602A : States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. The attached credit reports from month to month shows the inaccuracies AS PROOF and must be delete from my report.

I have provided the letters and I am being ignored. I plan to seek legal counsel if this is not removed as the bureaus are in clear violation of my consumer rights.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MT)

I was contacted via email that someone was attempting to purchase a large amt of product from XXXX and there was identity theft suspected. A phone number was included so I called it. They said I had reached XXXX XXXX XXXX and that there indeed was identity theft. I would need to do what they directed to closed all the accts that were open in my name and cancel the expenses. 
I was directed to open several apps on my phone and to go to different sites, purchase XXXX XXXX, XXXX, gift cards and XXXX and then the company ( XXXX XXXX ) would cancel the orders and protect my identity further. 
I did as they directed because they sent text msgs stating there were several deposits to my acct to cover the expenses. 
The total is over {$6000.00}. No deposits were made. 
Here is the info I was provided : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX Phone number he contacted me with is : XXXX. 
I have all the info photographed in my phone if needed.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc. (TX)

FRAUD, FRAUD, FRAUD I am the property owner of XXXX XXXX XXXX XXXX. XXXX, TX. XXXX. The home was rented to XXXX and XXXX XXXX in XXXX. In XXXX we completed a warranty deed transfer so the XXXX 's could purchase the home on XX/XX/XXXX. They were unable to obtain a mortgage so I verbally extended the agreement to XX/XX/XXXX in which they were again, unable to obtain lending. I hired an attorney to draft a Deed in Lieu document to have the deed transferred back into our name. The XXXX were asked to sign and return the documents on XX/XX/XXXX with an anticipated move out date of XX/XX/XXXX. Since XX/XX/XXXX the XXXX have been unresponsive. On XX/XX/XXXX a notice to vacate was sent via certified mail to the home. On XX/XX/XXXX I receive a payoff request from XXXX XXXX. On XX/XX/XXXX I receive an email from XXXX XXXX stating they are attempting to obtain lending on the home and expect to be funded by XX/XX/XXXX. XXXX. Upon review of the document I notice strange issues and begin contacting entities and parties denoted on the loan documents. I find that no one listed on the document is aware of the loan origination. I personally spoke to the loan officer XXXX XXXX and sent an email but was informed that his email is not XXXX XXXX XXXX Instead, the email belonged to his son XXXX XXXX. I will be filing an eviction on Monday XX/XX/XXXX and am very concerned there's fraudulent activity occurring. I've notified all parties involved and am not sure what the next step is to protect my family and assets. 

Not attached, but I do have proof of above information if required. 

Attached is the loan paperwork received from XXXX XXXX.
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (IN)

They first reported XXXX different balances on my credit report and my online account. I disputed this with XXXX, and it was removed ( page XXXX of attached file ), but its still showing with the other XXXX with differing balances. The car was totaled and paid via insurance and what was suppose to be gap insurance through the lender. The debt does not belong to me!
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The car was repossessed it's showing on my credit report as a charge off but they keep stating that I am making late payments I do not have the vehicle it was repossessed again it is showing that it was a charge off if it's showing a charge off they have already performed a 1099 and it should be taken off of my credit report thank you
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (CA)

In XX/XX/XXXX2019 my escrow/taxes were increased and I did got recieve the notice due to being on XXXX, this caused the auto payment I had to be short. I made the additional payment to correct the issue 10 days later and was told that was all I had to do and the issue was fixed. The following month I recieved a call to call them, when I did I was told I was 30 days late on my payment. I have never been late on a payment and always pay on the XXXX for the next months bill. After calling the company I was told by the person that everything was correct and that they had applied the XX/XX/XXXX payments to principal instead of to my bill ; therefore, the payment I made in XX/XX/XXXX was applied to the now 30 day late XX/XX/XXXX bill. The teller took a note and sent it to the auditor and was told that the issue would be resolved on the XXXX of the month. On theXX/XX/XXXX I checked online and the issue was still not resolved and it had once again been posted to the previous month. I have now been calling every two weeks trying to straighten this out calling on the XXXX of every month when they tell me that everything posts and the following day that i realize nothing was done again. I have talked to 11 people from this company three of them being supervisors and they have still not corrected the issue. Every time i call the place the people read me the notes that were taken by the last person and automatically see the issue. The only thing good i can say about the company so far is since i have been calling them and it is there mistake they have not charged me any late fees. I just want the issue resolved and have given the company plenty of time and reminders to fix the issue and it has yet to be resolved. Below are all the dates that I have contacted the comany in regards to this issue. I am currently on hold with them in regards to this again as the last supervisor stated that it would be corrected and posted by last night and it still isnt fixed. It is ridiculous that as a professional coorparation I can call that many times and get told it will be fixed so many times and nothing changes. This is by far the worse comapny I have dealt with in regards to correcting an issue, every one of your staff admits its the companies fault when on the phone and can see what im talking about but customer service is powerless to help. There is no accountability to get it corrected. 

XX/XX/XXXX XX/XX/XXXX x 3 XX/XX/XXXX XX/XX/XXXX x 2 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-26
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: SYNCHRONY FINANCIAL (MD)

This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap
Consumer complaint received 2019-07-31
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. (CA)

I placed a complaint to the CFPB regarding Transunion and XXXX XXXX on XX/XX/XXXX and still to date, the complaint is opened because Transunion did not do a proper investigation and has allowed the creditor XXXX  XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Transunion responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Transunion regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Transunion remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Transunion and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Transunion has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX all report a Chapter XXXX Bankruptcy in XXXX XXXX. They say that they got the information from XXXX XXXX XXXX Texas.The XXXX Bankruptcy XXXX, XXXX XXXX of Texas does not report information to any credit reporting agency. The XXXX does not have any control or jurisdiction over credit reporting agencies. They sent me their sealed documentation stating this. This is a violation of my privacy as provided thru The Privacy Act of 1974, the right to Opt Out, using XXXX XXXX XXXX ( b ) Permissable Purposes, XXXX XXXX XXXX ( a ) ( XXXX ), and XXXX XXXX XXXX, Obligations and Enforcement.