davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
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. (WI)

In Late XX/XX/2018 I contacted Experian, XXXX and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with Experian, XXXX or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My mortgage with Loan Care has been a horrible experience. They regularly try to charge late fees when payments are on time and can be verified through my bank 's online payment records. It is a continuous problem. I decided to refinance through XXXX XXXX and Loan care was paid in full on XX/XX/2021. Loan care verified this a week later, but will not respond to my repeated requests to return my escrow account balance. If one checks their record with XXXX, Loan Care has been stealing escrow account balances for years!!! How can this be?? They owe me {$3300.00} and refuse to communicate. My Loan Care account number is XXXX This criminal enterprise needs to be shut down and make good on all the funds they have stolen from hard working families!! Please help ... ... Thank You ... ... XXXX XXXX
Consumer complaint received 2019-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I contacted Ally, and spoke with a representative, and a supervisor, concerning my financial difficulties. I explained my wife had been hospitalized recently and due to the recent flooding and bad weather in XXXX, Texas area I was unable to make the {$670.00} payment, because I had been unable to work my usual employment hours. I explained I would pay {$700.00} on XX/XX/XXXX, however the supervisor had no concern, simply speaking to me as if I was not aware of my financial hardship. I explained I have been struggling since my wife became ill and we lost income, along with bad weather since Hurricane Harvey which I had not been able to recover from. I have struggled to pay for the XXXX XXXX for over 5 years, My request to ally for a lower payment or any assistance allowing me to bring my account current has been denied. I explained the vehicle is almost paid off and it seems Ally simply wants to repossess it. I understand my payments are behind, however I continue to pay the debt. I am not avoiding the Ally, I am calling, emailing and requesting assistance. I have to call repeatedly to speak with a representative as if my account is flagged to prevent the call from being transferred. The representative made no effort to assist me, in fact he may have placed the vehicle on a repossession list despite me requesting a payment arrangement. This is unethical, due to the fact I have made payments for 5 years, now the vehicle is almost paid off they claim no arrangements can be made to assist me. The law may allow  this practice, however many people are having financial hardships due to various reasons allowing customers who are struggling to make payment arrangements should be an option.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NC)

I have tried multiple apps today XX/XX/20 to connect my bank to and they wont let me attach my bank to them. I left XXXX XXXX and started with them and I can not use plaid to connect my bank to the apps that I had been using with XXXX XXXX. I think this is XXXX. Its my money and if I want to connect my account to something I should be able to.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

They give me. Whats time when applying fir the card first they said they need my identity license and social they put it on holf they said I qualify fir the card but wont send me anytning its so annoying and frustrating how they are
Consumer complaint received 2021-02-27
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)

XX/XX/XXXX I got behind on my mortgage payments due to my company placing me on a administrative leave of absence due to internal investigation due to no fault of mine and prior to this my hours had decreased due to COVID-19 at work bc my kids were having to do remote learning and I had no sitter for work. So I was already struggling to make payments and then I was unemployed until XX/XX/XXXX with only unemployment money being received. I inquired about the hardest hit fund but was told that it was closed and not accepting any more applications so finally in XXXX I was approved for forbearance for my mortgage after continued delays in the application process. I made my {$50.00} a month payment as directed for XXXX and XXXX and I was notified in XXXX that XXXX XXXX had transferred my loan to XXXX XXXX. Well today I get notification that I have a major delinquency on my credit report from XXXX XXXX and it states my mortgage is 120 days past due causing my credit score to decrease 27points in one day. I was told that as long as I was in forbearance and making my trial payments on time then my mortgage would not be reported as delinquent to the credit bureau. I attempted to reach out to XXXX XXXX but couldnt get issue resolved
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: OPORTUN FINANCIAL CORPORATION (FL)

I received my XXXX report Around XX/XX/2024. I had Oportun who I have no clue who it is and never have been affialated with this company. Show up on my XXXX Report on the dates of XX/XX/2024, XXXX, XXXX, XXXX, and XXXX with all the details that i will attach as evidence to this complaint. With me not even knowing who they are or how they got my private person information. Which for starters it is identity theft. Im sure if they have my information they are probably selling my information on the secondary market unjustly enriching themselves. I never gave this company consent to have my information. Now more proof of this is on my XXXX credit report on XXXX, XXXX, and XXXX ( will attach evidence as well ). Oportun has sent me mail several times when I do not know them. Or want to know them and they do not have the consent to do so. I scanned like XXXX or XXXX notices they sent me in mail to prove this as well. It is harassing me at this point too. They have cause me harm on my reports, stress and very worried about how n why they have my information What other consumer laws and rights they are violating against me. I am giving them one chance the opportunity to cure or i will report them to all the government agencies, and make a small claims Immediately! If i have to take the time, energy, and everything i know it takes to file the claim. I am letting them know now that it will be causing more harm and mental stress, which i will be asking for more damages for the harm done. I will go through title 15 of the U.S. codes and make sure I get violations that i believe they are violating besides identity theft and few others ( GLBA [ 15 usc 6802 ], FCRA [ 15 usc 1681 ], FDCPA [ 15 usc 1692 ], UDAAP, knowing each violation could be {$1000.00} w out damages ) i can think of off top of my head. Anyway i am not making this long. I have already made sure i got both my XXXX Report & my XXXX Report so I have the evidence to make my claim if you fail to take my act of good faith to cure the harm you are liable for. Now, because you have my private personal information without my consent. If you do not wish to cure the harm you are liable for. Please send me a statement of penalty of perjury that you are not selling my information on the secondary markets for unjust enrichment. Also stating who you have received my information from and what you paid for it or however you got it. And what steps you took to protect it so you would be not violating the Gramm Leach Bliley act ( GLBA ). Please send me the names and companies of anything that has to do with my name and personal information. Please response within 10 days of receipt of this notice or i will start my small claims filing. I thank you in advance for you rapid response
Consumer complaint received 2021-09-13
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: LEXISNEXIS (IL)

I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 XXXX # XXXX, XX/XX/21 # XXXX still referencing bankruptcy. 
XXXX XX/XX/21 # XXXX, XX/XX/21 XXXX verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 # XXXX all still referencing the bankruptcy in there files. Not one time has any dispute come back no bankruptcy and the common denominator here is LexisNexis.
Consumer complaint received 2017-05-29
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. (TX)

I have had accounts opened in my name fraudulently. It has been ove r six  months, and this company and collection agency have done nothing to help or communicate. The collection agency on my report says  XXXX ,  XXXX , AND  XXXX  but the address is wrong because mail gets returned. When I  XXXX  them, there is an entirely diffent name listed on the their website. Says  XXXX ,  XXXX , and  XXXX . There is no way Equifax has verified accuracy with a company listed as  XXXX  name and then double reported as another amount, but I know they keep items on consumers credit reports because the collection agency pays them too. Why else would n't this clearly not just fraudulent but inaccurate credit item not have been deleted yet?? Look at my evidence uploaded and your see same amount, but differnt account numbers and its double reported. I 'm hoping to get this resolved so I can move on with my life.     Thank you,
Consumer complaint received 2017-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Talbot, Adams, & Moore, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  TALBOTT, ADAMS, AND MOORE INC fo r reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (MD)

A fraudulent account was opened in my name with truist. I received a letter in the mail stating that an account was created in my name. I immediately called the fraud department of truist to find out more information and demand immediate close of this account. The fraud department reached out to me by mail stating that I had to put my money in this fraudulent account that was created to bring it to a XXXX balance in 7 days or a charge off would be placed on my consumer report. As a consumer why am I being held liable for a mistake that truist made? Letting a fraudulent account be created in my name.
Consumer complaint received 2021-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. 

I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

And I never opt in for over limit transaction with XXXX XXXX XXXX. Capital One has approved the transaction and it has damage my credit score pursuant to the Card Act concerning billing statement XXXX XXXX XXXX XXXX - XXXX XXXX ) regarding the opt in for over the limit transaction and the minimum payment disclosure.
Consumer complaint received 2020-06-29
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: CITIBANK, N.A. (CA)

On XX/XX/2020, I submitted a dispute to XXXX  with evidence, proving Citibank accounts ending in " XXXX '' & " XXXX '' were paid in full. Citibank responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted XXXX, and requested for these receipts to be re-presented again to Citibank. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted XXXX  several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe XXXX  has thoroughly investigated because proof of receipt or paid in full status was provided twice. XXXX  has refused to have a conference call with Citibank, therefore, I did not have a choice but to file a compliant.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed XXXX accomts from XXXX stating, " I am no longer responsible for the XXXX accounts ''. TransUnion did not complete thourough investigation to know that the accounts were dismissed in XXXX. In addition, the company agreed to remove all entries related to XXXX XXXX accounts I will provide the court documented and letter from XXXX. Please look into this matter.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

A month ago I got delinquency notice from lender ( SLS ). The reason in the notice was a missing payment. In reality when I checked the account summary, I saw that the auto payment was executed on time, but still their backend system marked my account as late on payments. Also they 1. charged me late fees, 2. disabled my auto payment option quoting the missing payments, when it is not actually a late payment 3. reported the same to all three credit bureaus thus dragging down my credit score This has literally paralyzed me from getting better financing options and thus impacting me financially. 

Worst part of it is the customer care. The service channels availabe are only able to hear my case, and they cant provide me a case number and does not allow me to talk to supervisor. They make false promise that, a supervisor would look into the case and connect back in 24-48 hrs and that was never the case. Also when I first reported the issue on XX/XX/XXXX, I was told that they would investigate the same and resolve it by XX/XX/XXXX and there is no progress made. On followup on XXXX of XXXX, the opened yet another parallel case as the support personal was not able to see any update. 

Also I was asked to send an email detailing the issue and no response there other than a canned auto response.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (OR)

I notified Paypal of an authorized charge on XX/XX/2020 of {$1900.00}. I contacted Paypal, notified them immediately, also blocked all Paypal charges from my financial institution immediately. 
They did not block the payment and now saying I owe them {$1900.00}. 
No way to login as they locked my account and only way to message is by logging in. I tried calling and emailing numerous and no replies.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

XXXX XXXX  transferred my mortgage loan to a new servicer, Rushmore, on XX/XX/2020. 

I have completed a Borrower 's Assistance Application at Rushmore and was told on XX/XX/2020 by XXXX by telephone that she transferred my application to underwriting. 

Subsequently, Rushmore has not sent written notice to confirm my modification application status.
Consumer complaint received 2021-02-27
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)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Consumers Inc (VA)

This company has been harassing me for almost a year now. My phone does not ring but instead goes straight to voicemail where they constantly leave robo messages. At first, I tried adding their number to my cellular phone 's " Block '' list but that didn't help. 
Out of complete frustration, I did some research on how to stop these calls. I found out about the National Do Not Call Registry and took the proper steps to register my phone number on XX/XX/XXXX. I am aware that it can take up to 31 days for the calls to stop but they were relentless. I then filed a complaint with the National Do Not Call Registry ( not sure of the date ). On XX/XX/XXXX, I filed a complaint with the FCC about the same company which is United Consumers. I was still being flooded with calls. On XX/XX/XXXX, I filed another complaint with the FCC. Since doing so, the calls continue. I have tried calling the number back to speak to someone and it's a robo message and only a message can be left. On XX/XX/XXXX, I left a message including my phone number and asked that they stop harassing me and stated to them that I am on the National Do Not Call Registry and that I also filed complaints with the FCC. I also told them that if they insist on continuing to call that I would take more drastic measures if the calls do not stop. Low and behold, the calls ( voicemails ) continue. I have no idea what this matter concerns because I can never get a live person. On the robo voicemail, it leaves another number to call to resolve the issue and I have tried calling that number, only to get the exact same robo message and no live person. Now, they have resulted to, not only calling from their " standard '' number, but have now started calling from another number as well from the exact same company. I am hoping that you can be of assistance and if not, I am only left with filing a class action suit. The calls that I began documenting are as follows : ( all in the year of XX/XX/XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, the calls began well before that time. Thank you for your time.