davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Late Payment reported for Self Lender I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Consumer complaint received 2017-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MO)

I get paid every Friday, into my Wells Fargo account. I pay my bills by bill pay on Fridays, but for some reason, Wells Fargo does not send my bills out in a timely fashion ( there 's no telling when they will send the payment ), and as a result I have ended up with three overdraft fees which the bank has refused to refund.
Consumer complaint received 2021-04-27
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: LEXISNEXIS (NJ)

My name is XXXX XXXX and in XXXX I had to file Chapter XXXX. It was the only way to save my home, I am the only person working in my house. I have children and my wife to provide for. I do understand that my credit has to undergo the worse scenario, but I know time heals. My insurance went up like crazy due to a report received by LexisNexis Consumer Center in XXXX. I understand that, but around XXXX my credit started to get better and better. I opened new credit cards, my mortgage payments were on time, I had a stable job, etc. I noticed that my car and house policies increased in price. Then, at the end of my policy renovation, I saw an explanation from my insurance company with the reason why my policy was going up in the first place ( due to the report from LexisNexis ). My agent told me to contact them and see if they can fix the problem. I contacted them and they sent me a huge report with my credit history, saying that there is nothing they can do because my record was updated at that time. I was saddened and upset by the situation. All I thought about was if it even was possible to fix this situation, eventually, I let it pass. 

Today, I rechecked my policy renovation and again I noticed the same negative report of my credit history. It demonstrated the same misleading information that was supposed to be fixed. I say that because I have an account with XX/XX/XXXX the credit bureau, which monitors my credit. I also protect my social security and as well as my family 's. My credit now is very different from what it was in XXXX and even in XXXX. I realized that I had to converse with the customer representative from my insurance company. I spoke to the underwriter and she told me that the employees from Lexis Nexis never updated my reports, even when I asked them in XXXX to do so. When I explained my situation to her, she decided to remove LexisNexis from my insurance policies, and right away my premium went down almost {$1600.00} per year. Again, she stated that this report never got updated since XXXX, but when I submitted a request to update my records, LexisNexis told me that it was updated, which was completely untrue. The damage done to my familial economy by this situation is inexcusable, simply because of the incompetence of this company. The company lied and never made my results up to date, which caused havoc and extreme difficulty to reestablish my family and I 's life again.
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be XXXX  days late without first posting XXXX or XXXX  days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. The following accounts are listed below : XXXX XXXX XXXX  : {$30000.00}, XXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$2800.00}, XXXX XXXX XXXX  : {$12000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$17000.00}, XXXX XXXX XXXX  : {$11000.00}
Consumer complaint received 2021-07-19
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: Continental Finance Company, LLC (AZ)

I have been trying to dispute a charge on my credit card for approximately 10 days with this credit card company. This charge has caused my credit to be over the limit & created a high usage credit limit alert from my credit bureau report. I have tried to contact this credit card company numerous times only be hung up on after waiting for 30 minutes to 1hour increments at a time. I was told it takes 7 days to receive a credit back for the disputed charge when a call back is received & when I finally received a call back the general customer service number was left for me to call that has a rediculous amount of hold time & it seems as if I'm never going to get this issue resolved. I even called at XXXX & still was on hold for 45 min never to speak to anyone. 

Also, shortly, before this incident I called & requested to have my name changed due to a divorce I called customer service & told them that I think that I threw the card away that they sent me. In response, they sent me a card with a new card number without my knowledge. The representative did not tell me a new card number was being sent. Which could have caused a number of things if I did not look or get the new account in time so I added the auto pay back & made a payment I'm not sure what happened but my payment was rejected & it says the information was not entered correctly & they charged me a {$39.00} return check fee & returned my payment. & just a suggestion maybe they should add a double payment box where you enter your payment account information twice because it seems as though there is always a reason to re enter/ re set up auto pay for every little change to the account. With this in mind, now I have, a unauthorized charge, a returned payment, a {$39.00} returned check fee & im still over the limit as well as the balance is accumulating interest & reporting as high credit usage. Also, if I decide to make a payment due to the possible clerical error they will hold my payment for 7 days. This, I am unable to speak to anyone in regards to this issue but continue to wait for long amounts of time & then to be transferred.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hi i just found out today i had a special civil case against me about a debt i do not owe. I never lived at the address they sent the superior court notice to and do not know what this debt is for. The company in question is Midland Funding LLC the amount they say i owe is around 2 - 3 thousand plus for a debt owed in the late 2000 's. I know this debt is a lie because i've never lived at that address ever and i've never opened up bank accounts that are involved in this case in the late 2000 's. I want to get to the bottom of this and know what this is for so i can file my lawsuit. 

Thank You.
Consumer complaint received 2023-01-30
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. (IL)

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (NY)

I have yet to receive my keybank card in where my unemployment money is currently being sent to. Every time I attempt to call the bank or the unemployment number, nobody answers and they leave me on hold. I have not being able to receive any of my money because nobody answers me or sends me the card. According to my account the money is being deposited to the card every week, but i have not been able to use it. The money has been deposited since XXXX and i still have not receive my debit card.
Consumer complaint received 2018-06-13
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: DISCOVER BANK (NY)

Starting early spring XX/XX/XXXX, XXXX started to send me renewal pops ups on my computer to buy their software protection plan. I declined numerous times, I had no intension of renewing & had another provider. XX/XX/XXXX I received a renewal notice from XXXX - Not to worry they renewed my subscription, they had my card on file?? Really, I did not authorize this.. I immediately looked at my Discover account and realized they actually charged my account over {$110.00}! I immediately notified DISCOVER and opened a dispute. DISCOVER closed the dispute in favor of XXXX twice because XXXX had my information on file and therefore it must be true and I am the liar. On XX/XX/XXXX I contacted XXXX, they agreed I did not renew nor solicit them for renewal. Regardless they made several attempts to solicit my business with unwanted pop ups and threats of computer viruses, etc.. I did not sign up, I DECLINED ... several times. I feel violated by XXXX, they stole out my pocket and I am upset with DISCOVER as they allowed XXXX to do so based on their very poor standard of proof. It was up to me to prove " with documentation '' I did not authorize, how am I supposed to provide documentation when I never created any documentation or approved a purchase? 
XXXX is sending me what they call a refund check for the full amount, it will take 3 weeks, we shall see. I have all emails from them as " confirmation '' .. 
I am upset with DISCOVER - allowing a transaction to stand that was not authorized. DISCOVER did not handle this properly. DISCOVER employee 's in both dispute & billing were just like.. '' oh well, they had you information, that's good enough to make it a valid charge ''. 
As it relates to services over the internet and specifically ones that take liberties to renew without authorization to do so. I asked DISCOVER why didn't you ask them what date I approved or gave them approval? They would have had a hard time providing that as they didn't not get one.. DISCOVER replied, " Good Question..we 'll make note of that for the future! '' ... really???? 
DISCOVER then advised me my dispute is closed, so am I to assume XXXX can charge they XXXX out of my account because they have some old information on file??. It's unfair to any consumer to be dealt with this way by any merchant or credit card company.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

Receivables Performance is reporting a collection for XXXX. First, the service provider could not provide service at the location we moved to. Second, the debt was paid. Third, we told Receivables Performance that we were disputing the debt ( although paid by new service provider ) with the original provider ( XXXX ) because they could n't provide service at the new address. During the debt validation process we clearly informed them there was a dispute and they should refer back to XXXX who had already been paid but they put it on our credit report anyway which is a direct violation of FCRA Section 623 XXXX, v. XXXX XXXX XXXX and the Fair Debt Collection Practices Act 807 ( 8 ). Plus a few others..
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have a home equity loan that is being serviced by Select Portfolio Servicing ( SPS ). This loan is a 15 year loan that is scheduled to mature on XX/XX/2021. The current balance reflected on my loan by SPS is {$17000.00} and my monthly payments are {$1200.00}. My account is not delinquent and with 3 months of payments remaining, the loan will not be fully amortized as it should be. There will be a balance owing of {$13000.00} that includes an agreed upon 3 month payment deferment of {$3800.00}, leaving an unpaid principal balance of {$9800.00} that is incorrect. Since XX/XX/2021, I have attempted to resolve this matter with SPS numerous times as I should not be responsible for a balance for which payments have been made. In my review of the payment history that was provided, it does not appear that payments were properly applied to my account and several unusual adjustments were made. SPS representatives indicated that an audit would be performed on my account and that I would receive a resolution to the disputed amount remaining at the maturity of my loan in XX/XX/2021. 

The responses that I received were inadequate and did not address the disputed principal balance. The first response I received on XX/XX/2021 included a 15 year amortization schedule that suggested that my current principal balance should be {$3800.00} instead of {$17000.00} ; however, no adjustment was made to correct it. The second response that I received on XX/XX/2021 referenced adjustments made to the payment history but stated that the balance of {$17000.00} was correct as stated although it does not match the amortization schedule. There was no documentation provided to support this statement. It suggested that I am responsible for the overstated principal balance. For your review, I have attached the " dispute resolution '' letters that I received from SPS. 

Again, I would like this matter resolved prior to the maturity of the loan on XX/XX/2021 to avoid any negative impact to my credit reporting.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. I thought the item was not being reported legally, therefore last month I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

To whom it may concern : I am a XX/XX/XXXXAmerican XXXX XXXX  veteran. The problem started in XX/XX/2021 with PennyMc Loan services. I currently have my VA loan through them and they kept calling me for a VA re-finance so I applied and they were completely incompetent and awful. They repetitively were asking for documents from me from 13 years ago. I spoke with a supervisor and he said it was a mistake and they would stop and the never did. I emailed the processors over and over at least 25 times over the course of 3 months and got reply a week later each time that was just asking for thee same nonsense. It was a constant barrage of them asking for more paperwork that was so many years ago years that was paid off and I did not have proof of. The harassed my wife for paperwork IRS transcript when she gave them proof she filed and copies of cancelled checks. They kept yo-yoing us asking for paperwork that we did not even have to provide when we bought our home. The whole process made no sense and they made it so difficult that finally I could not take it anymore. A friend told me to try quicken VA refinance and it was so different of an experience. 
They gave me a rate that is a full 1 % less that PennyMac and in one afternoon I had satisfied all the paperwork requirements. They said they did not need to see paperwork from 13 years ago and my wife did not have to provide anything to them for the loan. I just want to warn prospective Veterans that Penny Mac is an awful experience and ultimately will rip off Veterans. 
Thank you and XXXX Bless America, A Fellow XXXX  Vet
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$9800.00}