davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The letter said, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

I also wrote a letter on XXXX XX/XX/XXXX to XXXX XXXX XXXX, Equifax Information Services, LLC, and the XXXX  Dispute Department. The letter said, XXXX last active with XXXX shows XXXX XX/XX/XXXX, and XXXX  shows date last active as XXXX XX/XX/XXXX. XXXX  shows XXXX late for XX/XX/XXXX, and XXXX  shows this paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Update this account to paid on time for XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2020-10-18
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)

I wrote a letter on XXXX XX/XX/XXXX to TransUnion XXXX XXXX XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department. The letter said, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

I also wrote a letter on XXXX XX/XX/XXXX to TransUnion XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department. The letter said, XXXX last active with TransUnion shows XXXX XX/XX/XXXX, and XXXX  shows date last active as XXXX XX/XX/XXXX. TransUnion shows XXXX late for XX/XX/XXXX, and XXXX  shows this paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Update this account to paid on time for XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted XXXX law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX
Consumer complaint received 2019-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NC)

This debt was paid off because it was in judgement at the XXXX XXXX  Courthouse in the amount of {$1500.00} by my Attorney XXXX XXXX, Escrow Officer from a sell of my Property located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. This debt was place as a judgement ( XXXX  ) at the XXXX XXXX Courthouse by XXXX XXXX XXXX  in erroneous after it was settled through the courts in XX/XX/XXXX. After many calls and attempts to Capital Accounts LLC who brought the debt from XXXX XXXX and XXXX  to have it investigated and removed or updated. It is still showing on my Credit Report. I am now through frustration contacting you all to assist me in having this debt showing in the amount of {$1200.00} removed from my Credit History. Account # XXXX  Paid XX/XX/XXXX to XXXX  County Clerk of Court. Judgement # XXXX  in the amount of {$1500.00} Thanks
Consumer complaint received 2022-09-05
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX sent my vehicle to a different place than it was supposed to be going. The hood flew open the day after my windshield was replaced. XXXX XXXX was paid almost 5,000 to the repairs on the body. Nothing mechanical. The work that was supposed to be done was not completely done. I'm still without a car as it is not drive able. XX/XX/XXXX for stolen  rental car an now can't get a rental. They are not working with me to get a vehicle.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (OR)

I was automatically signed up for a mileage account when I opened a HELOC. Since I did n't want to pay the {$30.00} fee, I closed out my XXXX account in 2008. I was refunded the {$30.00} fee. My account was charged the fee again the following year. I wrote letters, called my loan officer and customer service 800 numbers. No one listened. As a result my overdraft account has snow balled as fees and penalties keep being added to a fee that should have NEVER been there. My overdraft protection should be at zero, and I should have a positive balance in my bank account, because I pay {$97.00} a month, while my bill is {$96.00}. 

Bureau of CFP, please do n't reward Key Bank 's customer no service for failing to listen to me, then stealing my $ by adding fees and interest due to their incompetence. 

Most Sincerely, XXXX XXXX
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

My identity was stolen on XX/XX/XXXX, and the bank was notified about the issue. On XX/XX/XXXX, my stolen ID was used to access my bank account information through a Chase Bank drive thru to deposit a fraudulent check and withdraw thousands of dollars out of my account at XXXX separate chase banks within 20-30 minutes apart with no action taken or alerts on my accounts. Subsequently, my account was withdrawn when the fraudulent checks bounced back and my account indefinitely frozen. Despite three police reports to include an auto break-in, identify theft, and a 3rd police report to share that my stolen ID was found by the police, I have yet to receive my FDIC insured money. It 's currently going into 32 business days. The bank investigator has not even reviewed my case due to an overwhelming volume of investigations. I would like to have an estimated time frame on when my assets will be unfrozen and my stolen funds returned.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I have a loan with Springleaf Financial services through the XXXX Ohio Branch.. I have had financial difficulty for a few months and have not been able to pay my agreed payment in a timely matter. The branch manager called me at work XX/XX/XXXX I believe. I work for a collection agency and all of our phones are on a recorded line. I ask him to not call me at work do to the recorded line and told him I would call him back. He continued to discuss my default on this call, I hung up on him. When I got off work I called him, I explained to him about the recorded lines and that all collection agencies have them. He said " that 's not true my lines are n't recorded and I am calling to collect on your loan '' and giggled. I again ask him not to call me at work. He said ok and thanked me for scheduling a payment. On XX/XX/2016 he ( XXXX ) called my work again and left a message with a co- worker to have me call him. I should not have received another call at my work number after telling him XX/XX/XXXX not to call me at work..
Consumer complaint received 2015-11-07
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: DFC Global Corp. (FL)

The store allowed an extend payment plan on a payday advance that was paid for in full by ACH check on XXXX XXXX, 2015 and fail to refund cash payment. 

I obtained a loan of {$500.00} from The Check Cashing Store and agreed to payback {$550.00} on XXXX XXXX, 2015. I was not able to pay the full amount on my due date. 

The representative allowed me to make a partial payment of {$300.00} in cash in order to extend the remaining balance of {$250.00} for my next pay period. 

The Check Cashing Store ran my check which cleared on XXXX XXXX, 2015 in the amount of {$550.00}. 

I contacted the store and was advised they had no record of my cash payment and that my receipt was not valid because it was tendered as a Money Order. 

The rep claimed she could not do anything but have the manager XXXX look at the surveillance cameras to prove I paid cash. 

The Check Cashing Store or the manager has made NO EFFORTS to contact me with results of the surveillance camera or my REFUND of {$300.00}.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a secured credit card up wit Capital One back in XX/XX/2015. Prior to submitting my application, the description for the credit card stated that it was a secured card and after excellent payment history and never being late on the card, I would get back my {$200.00} security deposit. This was one of the reasons I went ahead and applied for the card. Now, I do understand that I had a card previously with the company which I unfortunately had to default on but that is beyond the point of this one. I have continuously tried to contact Capital One to get back my money after making excellent payments and never being late. I have always been told that that offer was no longer offered on my card and that the only way to get my money back was to close the card. That is not what I want to do. I wish to keep my card. I feel like I was defrauded by Capital One and was given false pretenses. Not one time did I ever receive any information to state that my card was not eligible for a refund. They even gave a one time only credit limit increase while after I had my card for about a year and a half. I feel like I should get my money back. The information on their website in reference to the secured credit cards still have the same information that you can get your security deposit back. I just want my money back as promised.
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

A debt collector keeps calling me stating they are a debt collector and wanting me to call them back at XXXX XXXX and at XXXX XXXX XXXX. They never leave a name only wanting me to call them. I do not have any debt XXXX and have not in over XXXX years. These are not my debts and I live alone. Please take the time to take care of this. I have been on the NO CALL list for many years and have never needed to contact you before now. Thank you very much
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (DE)

I requested Discover Card for a Statement in XXXX ( statements sent for people who XXXX ). I thought the American Disabilities Act ( ADA ) required accommodations for the XXXX, but Discover sent me the below response to the request : '' Re : Other Billing Questions [ # XXXX ] " Hello XXXX, Thank you for your message regarding your Discover account. I understand your inquiry for XXXX statements, and I am happy to provide you with additional information today! 

I sincerely apologize as this is not a type of statement that is currently available. We do want to improve and are always looking to do so. Because of this, I will forward your interest in a XXXX statement as feedback to our headquarters that having statements like these available would be helpful. 
Please let me know if you have any additional questions or concerns about your account. 
I appreciate your valued business and the time you have taken to contact me today. Thank you for choosing to use Discover since XX/XX/XXXX! 
Sincerely, XXXXWe appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. 
DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective XXXX-party owners. 

-- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX PMSubject : Re : Other Billing Questions [ # XXXX ] From : XXXXXXXXDate : XX/XX/XXXX XXXX XXXXTo : XXXXXXXXSubject : Other Billing QuestionsFor other Billing and Statements questions, please use the space below : please send me my statements in XXXX as well.
Consumer complaint received 2020-05-19
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX  FKA XXXX   XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2016-09-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: RFNA, LP (SC)

In XXXX I was going through some financial difficulties but my credit was good XXXX. I was offered a title loan in the amount of XXXX from Republic Finance @ a high rate of 29.99 %. I paid on time and consistently with an ending balance of below XXXX. On XXXX/XXXX/XXXX Republic Finance offered an additional XXXX ... for which I paid on time and consistently up until XXXX XXXX ... because of recent unemployment and added financial burdens .My credit score at that time was XXXX. In XXXX I decided to look through the contract and my records of payment and had discovered that Republic Finance had increased the interest rate to 32 % even after paying on time, consistently and with good credit. I also discovered that Republic Finance had added an additional XXXX to the second loan that did not apply to my loan or to the balance owed from the first loan. So the contract unethically and fraudulently read that I owed them XXXX on the Total amount borrowed of XXXX plus the XXXX balance from the first loan ... at an interest rate of 32 %. How is this possible, ethical or fair? I was devastated and outraged. In my time of vulnerability and need ... I had missed seeing this deceptive and predatory addition by Republic Finance. And I also recalled that the loan officer tore up the First loan contract and payment book with the original numbers while I was there in the office on XXXX/XXXX/XXXX. Since XXXX XXXX I have been harassed by associates at Republic finance calling my number and not leaving messages that could be documented or addressed. And on XXXX XXXX my car was taken from my driveway in the early morning hours without notification from Republic Finance. I 've been without personal transportation going on 2 weeks now. I 've had the same car for 15 years and can not afford to buy another because Republic Finance has ruined my credit .... My credit score in XXXX was XXXX but now in the tank at XXXX. I am stranded. Republic Finance is an unethical predatory loan company who needs to be brought to justice for ripping off vulnerable people and for using deceptive lending practices. and charging amounts far Over the amount borrowed or owed. My XXXX loans totaled XXXX plus the abusive interest rates. I paid a total of XXXX from XXXX to XXXX XXXX. But Republic Finance claims I owe them an amount of approx. XXXX dollars at this point. This has caused emotional distress as I can not pay them anymore. Republic Financed has ruined my good credit ... And they have my car in their possession. and have informed me that they will have it auctioned off in mid XXXX. I 've been ripped off, scammed and robbed. I wrote Republic Finance a letter to inform them that they are not to contact me expect by written documentation. Someone please advise! How can any company exist/be allowed to stay in business that expects to rob the lender of XXXX from a XXXX loan in a 4 year period and steal your car in at the same time?
Consumer complaint received 2015-09-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter.
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (NC)

XX/XX/23 : A screen shot of a Wakefield & Ass letterhead telling me how to view debt collection followed by a text with a link. 
XX/XX/23 : a phone call I did not answer with a voice mail asking me, by name, to return the call. 
XX/XX/23 : a phone call I answered. I was hung up on. 
XX/XX/23 : Text message from XXXX stating the company name, a phone number to call and a link to use. 
XX/XX/23 : A phone call in which I requested a debt validation letter. The person I spoke with said one was sent, described an envelope, and said another couldnt be sent. They verified my address, said a letter was sent in XXXX, and told me how to access the information online. 
XX/XX/23 : Another phone call in which I said I will not be speaking with anyone until the debt validation letter is resent and received. 
XX/XX/23 : I repeated that I will not be speaking with or handling the debt until a debt validation letter is sent. 
XX/XX/23 : I attempted to contact customer service to complain, I was hung up on or call was dropped. 
XX/XX/23 : Another call. I demanded to speak with a supervisor after being told a debt validation letter was sent in XXXX and another could not be sent. Then I was placed on hold. Then told the supervisor wouldnt take my call/wasnt there however I can be sent a letter. 
I am incredibly skeptical a debt validation letter will be sent.
Consumer complaint received 2017-02-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (CA)

I am not sure how I got into a FHA loan, but I did. My current balance is approx. XXXX my house is valued well over a XXXX. I have a rate of 3.25 % and a PMI at {$570.00} a month. I have contacted my bank twice, the last time was XXXX XXXX, XXXX. I asked them when the PMI was to drop off and I told them I loved the 3.25 %, but was tempted to refinance. My XXXX score is above XXXX and I almost always pay extra to the principal. I got a generic response to my PMI removal inquiry on the same day as requested XXXX XXXX, XXXX. Later on XXXX XXXX, XXXX I received a date of XXXX/XXXX/XXXX as to when the PMI would fall off. It has not. Every time I call or attempt to contact the persons who handle the PMI program at the bank I am told to make contact via e-mail. I do this and keep getting the run around. I am at wits end. I will attach the e-mails that I have received.
Consumer complaint received 2020-05-20
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: CORELOGIC INC (FL)

Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/2019 This company made a hard inquiry without my permission. I don't even have a loan from them.