davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (AZ)

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$380.00}.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

Charge was through recurring ACH charge for phone bill. I called and terminated the service over the phone. Company continued to charge, I called repeatedly to terminate the charge, charge was finally terminate 3 months after the original call but I am being charged for 3 months after I originally terminated the service.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

XX/XX/2020 applied for covid relief with Ally Auto financial and was granted a 60 day period that would be applied to the end of my auto loan. Paid XXXX and XXXX payments but they are telling me there is a {$530.00} past due balance of interest for the deferral period which they will not move to end of loan like covid relief agreement stated. I am still unemployed at this time and they refuse to grant me any additional deferrals until I pay this past due interest balance. I did good to pay the car payments for two months since they refused to grant any future extensions.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (IN)

I was paid {$1000.00} for the settlement in the class action lawsuit, XXXX vs. XXXX. I chose to get my payment via PayPal, and set up an account to receive it. I was using the XXXX browser, which caused PayPal to be unable to determine my location. This apparently violates some sort of policy and they've banned me after receiving my {$1000.00} which they won't release. I'm currently homeless, and {$1000.00} would change my life. Yet PayPal continues to hold my money. I called customer service and they said this was in case of any charge-backs which won't happen due to the nature of the payment. I asked to speak to a supervisor and waited on hold for XXXX mins before getting hung up on.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my potential to obtain mortgage.
Consumer complaint received 2018-02-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma (FL)

XXXX XXXX for {$250.00} co-pay for outpatient XXXX. I called both the collection agency and hospital. I had no XXXX? In XX/XX/XXXX, I was in Florida most that whole year.The hospital could not find any either. There is another patient with same number. I did have a minor XXXX in the doctors office that would been subject to the office co-pay but it would not had been in office at that amount? The lady stated that from hospital. She said dont worry its closed out? 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Mail XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXXFLXXXX
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (VA)

There was an account opened with Chase Bank fraudulently and I did not know that it was opened and it carries debt. I did not approve of this account and it is a result of fraud and identity theft. I should not be responsible for something I didnt do. I ask that Chase do their due diligence and investigate this account and provide information about what is going on and erase this from my profile and not hold me, XXXX XXXX liable for this fraudulent account. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and my number is XXXX. Pleas and thank you.
Consumer complaint received 2018-02-04
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/XXXX and again on XX/XX/XXXX, The Law Offices of Mitchell ran my credit, they also reported falsely that I owed money to a XXXX XXXX XXXX or another 3rd party. This is a violation of the Fair Credit Reporting Act, they do not have factual information. There is nothing backing up their allegations besides unsubstantiated claims. I never applied for credit, I never guaranteed payment, I never signed anything and I never gave out my social security number, it must have been obtained from another source. This company " XXXX " has blatantly violated the FCRA requirements for reporting in an attempt to " Extort " money and tarnish my name. It is my understanding that in order to publish false claims in attempt to ruin someone's credit they must factual information, they do not. 
Please look into this
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I had a payment plan set up. I got evicted so I am homeless and trying to save to move into a new home, so I had to stop payments. I am now getting 6 calls DAILY after explaining that I can not make a payment at this time. 

Just today they have called at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XX/XX/XXXX ) and it is only XXXX XXXX. Voicemails are only left once every other day. the number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-04
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. (MD)

Original Creditor received my dispute and removed disputed account from my consumer report. Upon disputing other items XXXX XXXX XXXX opened a collection account naming XXXX as the Original Credit on my XXXX report less than 12 months ago. 

Upon disputing the derogatory account XXXX XXXX opened using my personal information without notice, consent and/or authorization. I disputed the item, my credit file was updated back dated to XX/XX/2015. I do not owe XXXX XXXX {$340.00}. 

Upon disputing this same item with CFPB prior to this complaint ; XXXX XXXX XXXX began reporting that same account on my Equifax report. XXXX XXXX XXXX adversely affected my credit score, credit file, and does not demonstrate fair practice.
Consumer complaint received 2023-02-10
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Today I received a credit card and new account information for XXXX XXXX XXXX issued by Bank of America. I never applied for this card but it arrived today with my full legal name on it just so you know I never put my full name on any cards. Im not sure what to do. Im definitely not activating this card and am very irritated that this has happened in the first place
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KLS Financial Services, Inc (NC)

Last year XXXX 2020. I began receiving notifications from the credit bureaus about a new account that appeared on my credit file. I contacted the credit bureaus and they told me that KLS Financial Services was reporting a medical debt to them. They instructed me to file a identity theft report with the Federal Trade Commission. I done that and sent a copy to KLS financial Services. But did not receive any response. I recently filed another and attached it to this complaint for your records as well as my own records of this situation. I never had any debt with this company. Can you please assist me with this matter Thank you
Consumer complaint received 2021-10-26
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. (TX)

I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from TransUnion that XXXX XXXX noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to XXXX XXXX and TransUnion but no one wants to rectify the error. I was not late but XXXX XXXX marked me as late. The investigation by TransUnion said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. TransUnion states the Original Charge Off was updated although there should have never been a charge off. Per TransUnion 's product, this error has caused my score to drop. TransUnion is not acknowledging their own credit reporting products and if they are useful tools to the consumer, TransUnion should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have put in several disputes in regards to the method of verification and the validity of several accounts as it pertains to my credit report and they have in fact violated several of my rights. 
On 12/28/2021 I sent a letter to the credit reporting agencies asking them per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Under the doctrine of Estoppel by Silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. It has been well over 30 days as my last letter was sent certified on XX/XX/2021, with a signature receipt. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment XXXX XXXX ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. They are also in violation of FCRA 623 ( b ) Furnishers Investigation of Disputes filed with the CRA 's. 

I would like to also seek damages under the CFPB Regulation V. Federal law ( 15 USC 14, seq, et ) requires that they respond within 30 day, and they have failed to do so, this a blatant and objectionable disregard of the law. 

I have attached multiple exhibits that further help my case as they have violated my rights.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

UNKNOWN INQUIRIES : XXXX XXXX  DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AK)

I TRANSFERRED XXXX TO COINBASE XXXX 0N XX/XX/2021 The money is missing before i sent the wire transfer from my bank they coinbase pro said it was safe all issues are resolved -- security i trusted them again no more
Consumer complaint received 2021-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2021, I purchased airfare on XXXX for a trip on XXXX XXXX with my Capital One Quiksilver card. Due to a billing error where my card was charged twice for the same ticket under my name ( XXXX XXXX ) I called XXXX to cancel on XX/XX/XXXX and received an email confirming cancellation later that same day. 

When I looked on my Card Transactions history later in the week, I noticed both charges still posted to my account. I called Capital One to dispute these charges and around XX/XX/2021 my account was credited. 

On XX/XX/XXXX one charge of. {$290.00} as a purchase adjustment reappeared on my bill. When I called to inquire as to why, I was informed that the previous representative I spoke to documented my dispute incorrectly and that the credit to my account would be reapplied which it later was. 

On or around XX/XX/XXXX, my card was again charged a Purchase Adjustment of XXXX from XXXX XXXX, despite my having faxed in the requested documentation proving my refund was valid, the month prior. The representative I spoke to on the XXXX informed me that they hadn't received my documentation and that XXXX sent in paperwork so that the charge would be reapplied to my account for yet a THIRD time in 2 months! 

I find this to be unacceptable as I have now spent over 2 months haggling with Capital One over a refund that I was assured I would receive from XXXX ( through XXXX ) and Capital One!
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In mid XXXX of XXXX, I received a letter from the XXXX regarding unpaid property taxes of $ XXXX plus about {$400.00} in delinquent penalty fee. I reached out to my mortgage servicing company, Select Portfolio Servicing Inc., to inquire on the non-payment of taxes. They said the payment of $ XXXX was made in XXXX of XXXX and that any penalty fees would be covered by them. Today is XX/XX/XXXX and the XXXXXXXX XXXX still has not received any payments from my servicing company. After a dozen phone calls to their customer service, multiple escalations, and notice of error sent, there has been no resolution to my problem. The original tax amount was also deducted from my escrow account as well. On top of this, I've noticed an unrelated overpayment refund of about $ XXXX was made to me at the end of XXXX. I have not received this refund at all and XXXXhe servicing company is not able to figure out how to resolve these problems. The company has made no progress in fixing the issue and every call I make, they have no new updates since the last call.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX is reporting incorrect info to my account.The account reporting is not my account... I have been an victim of identity theft.This account was open fraudulently.I never had this card.I want the opening this card investigated and removed from my consumer credit reports.I have contacted the police.I have filed a complaint with OCC about 3 times.I have also contacted the FTC.This is not my account.I never applied for this account in XXXXf i have to file a lawsuit aganist them in federal court.I will file a lawsuit.I want this removed from my account asap... I want this investigated.
Consumer complaint received 2018-02-04
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: SYNCHRONY FINANCIAL (MO)

After I opened master card I used it only few times and then paid it off. I received bill six months later stating with a credit limit of {$300.00} I had a balance of {$500.00}. I disputed transactions and said that I am not able to find card and that I didn't use it for six month. 
After a month they send me exactly the same bill. Considering that I don't have access online this makes the whole process very difficult.
Consumer complaint received 2021-10-26
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. (NY)

I've sent multiple dispute letters ALL YEAR to the consumer reporting agencies in regards to violating my rights as a consumer. No changes have been made. The consumer reporting agencies are unable to provide validation and/or verification for reporting these accounts. The accounts attached show multiple violations and inaccuracies.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, Experian, and MyXXXX, with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a XXXXredit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: First Credit Services Inc. (MA)

the company XXXX who in charge the work out world wrongly sent my name to a collection agency. After weeks of dispute, I agreed to pay the charge in exchange for this to be removed from my credit history. To my biggest disappointment, this collection account still come up on my credit report. I don't want to continue to engage in a back in forth with the agency. I just don't want to see this collection thing in my credit report as I was already paid the charge and more importantly wrongly charged.
Consumer complaint received 2018-03-28
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. (FL)

XXXX XXXX is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted