davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
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: National Credit Systems,Inc. (OK)

I have filed a dispute in regards to the incorrect items on my credit report with National Credit Systems, XXXX, XXXX and XXXX. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was issued a credit card that had a rewards program in which the points where to be used towards the purchase of a vehicle from XXXX. I did not know this until the first use, so after discussing the matter over the phone that I was not interested in buying a car but just getting cash back. Then they exchange that card for one with cash back and even though I have at the present time {$52.00} on the rewards program, they claim that I am starting a new account and do not qualify for cash back. On the other card I had {$260.00} It is my opinion, that this is a typical " Bait and Switch operation ''. This card is called the " extended family card '' from Capital One and the least amount you need is XXXX dollars to qualify for cash back. Thank you
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone did contact my dad at his phone number and asking about me. The phone number of the actor is ( XXXX ) XXXX. When I returned a call to that number someone asked me to confirm last four digit of my social security number and said that I owe {$12000.00} to Bank of America since 2010 and I have to pay {$6000.00} immediately to resolve the issue. Since I never receive any notifications from Bank of America regarding any debt I may have I strongly believe that my personal information involved into an identity theft.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NH)

I was the victim of an elaborate online scam in which I ended up transferring XXXX dollars to someone who never reimbursed me. The transaction ( which came from my checking account ) was done on Zelle. The scammers Zelle account was XXXX XXXX and their email was XXXX. Although I spoke to my bank ( XXXX XXXX ) nearly a dozen times, and called Zelle XXXX times in total, I never got answers or an attempt at reimbursement.
Consumer complaint received 2017-11-28
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. (MN)

I went to XXXX around XX/XX/XXXX. It said my data had been breached. Today I heard this website gives random results, so I checked again today, XX/XX/XXXX. It told me I was not affected. Was I affected or not? I do n't know.
Consumer complaint received 2021-02-10
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. (SC)

I called out to Experian at phone # ( XXXX ) XXXX on XX/XX/XXXX I spoke with a representative by the name of XXXX in the dispute department, I explained to her that I sent in a dispute letter to Experian dated for XXXX XXXX she confirmed Experian received the dispute on XX/XX/XXXX, I ask them why did they not delete the accounts I disputed, she advise me to give them a example, I said I Disputed a account with XXXX XXXX XXXX account # XXXX and instead of Experian doing investigation she advised they notified XXXX XXXX XXXX which gave them the right to update the account instead of doing there own investigation and finding it to be inaccurate to delete the account, she advised me that the account can not be deleted if even if its inaccurate according to FCRA , she advise the only way for the account to be remove is the creditor must send in a delete letter. This is very inaccurate according to FCRA.
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (HI)

The home was sold at a foreclosure without proper notice in XXXX 2011. I complained for weeks, then the sale was rescinded. XXXX/XXXX/2011. It " will be sold at a later date, '' according to the PHH XXXX Department. 
Assigned XXXX/XXXX/2011 to Foreclosure Attorney, XXXX XXXX XXXX, XXXX XXXX XXXX 
XXXX/XXXX/2011 - Insurance submitted. 
I am in the process of doing a Qualified Written Request and/or XXXX XXXX. The current status is in active foreclosure.
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

XX/XX/XXXX I refinanced my loan on the property that I 've lived in since XX/XX/XXXX ( the refinance was to remove my exhusband ). At that time, I was told that flood ins was not necessary and was provided a XXXX stating flood zone XXXX. ( I have never been required to purchase flood ins since owning the property beginning in XX/XX/XXXX. ) Now my mortgage co, PHH Mortgage, has stated that I 'm in XXXX XXXX and do have to purchase ; they purchased on my behalf and have begun to escrow to my acct. As the FEMA flood zone mapping has not changed since XX/XX/XXXX, I do not understand why this has changed and I 'm now required to purchase. Upon questioning this, I was told that it is because of a very, very small portion of the SE corner of my house as in the XXXX XXXX, however this is where my septic drainfield is located and is elevated due to this. The base elevation of my floor is XXXX ft XXXX in which is XXXX more feet about the XXXX ft 100 year flood standard. My house is on a concrete pad so there is no basement or crawl space that can flood. I would only have damage if the water gets over XXXX feet. 

Also I know that my neighbors directly north of me were told by their bank that they did n't need a floor elevation on the survey since none of their property is in a flood zone, and my floor is XXXX in higher than theirs.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, EXPERIAN, AND XXXX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX shows the 3 inquiries still, XXXX  one, and Experian deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and XXXX are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.
Consumer complaint received 2018-06-07
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. (OR)

This is the SECOND complaint I have had to file as Equifax still has not accurately updated my credit file. My bankruptcy is now complete and discharged yet there is a collection account from XXXX XXXX XXXX XXXX showing " Open '' and a {$200.00} balance. 

I did try to call XXXX XXXX XXXX as well and spoke with a XXXX. She told me it was updated. When I told her it was still showing on my credit report, she told me too bad. They have no control over that. That is completely unacceptable.
Consumer complaint received 2019-05-13
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (NY)

SageStream had been refusing to send my fcra report! 

For a very long time! 

SageStream was hiding behind the excuse that they allegedly needed certain things re-sent by fax from me! 


Me & another person - we fixed a fax machine! 
We sent the fax that SageStream said to send! 

We got an error message saying that the fax machine on the other end - that is - SageStream 's fax machine - was turned off! 

Apparently - SageStream turned off their fax machine! 

Now - SageStream will - probably - use that as an excuse to still not send the fcra report that they were legally required to send!
Consumer complaint received 2019-05-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Debt Holdings, LLC (MI)

XX/XX/19 I was called regarding a debt to be paid, by a attorney from XXXXXXXX XXXX XXXXXXXX. I felt pressured to make arrangements because I was told my license would be suspended. I then noticed while making arrangements it was with national debt holdings and my debt was recently sold to their company XX/XX/2019
Consumer complaint received 2017-09-13
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. (FL)

In early XXXX of XXXX Equifax was victim of a major security breach which I 'm sure the reader of this complaint is very familiar with. Unfortunately I 'm a little inexperienced with the whole credit industry as I 've had enough to deal with trying to further my education and experience. I 'm now a little anxious as to what could happen to my identity in the future. Unfortunately it does n't seem like Equifax is doing much to protect those who may have been affected. I honestly believe that this a big money grab by credit agencies to sell extra protections to those who ca n't handle the anxiety that this breach may bring.
Consumer complaint received 2019-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

my score wend dow 42 points ( Only Transunion ) 3 inquiries and all claim they did not request credit info I am not in system XXXX XXXX XXXX XXXX Only other item XXXX XXXX upped my credit line by {$200.00} for good payment history. Can not get a hold of XXXX XXXX, they are the ones that gave the info to transunion. I have been trying to repair my scores and not they drop it after months of it going up. no one seems to know why or when and they all act like it is no big deal It is to me please help
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

In XX/XX/XXXX, I filed a chapter XXXX  bankruptcy case number XXXX which included an auto vehicle, a XXXX XXXX XXXX for a loan that I had taken out with XXXX XXXX XXXX out of XXXX, XXXX. In the bankruptcy filing, I continued to make payments to Springleaf Financial for a " cram down '' that was done on the auto loan. It was my understanding that at completion of the bankruptcy, after discharge that the lien on the vehicle would be released and that I would be sent the title to the vehicle. The bankruptcy discharged on XX/XX/XXXX and I've yet to receive the title for the vehicle. In fact every company that I've contacted that had a hand in the proof of claim, transfer of claim and every other step claims that the are not responsible for the lien release on this vehicle. My problem still goes further. I since re-established myself and needed to purchase a reliable vehicle and have attempted to trade this vehicle. With the assistance of a local car dealer, they've tried to assist me with obtaining the title, the Division of Motor Vehicle for XXXX XXXX show that XXXX XXXX XXXX, the original lienholder has yet to release the lien/title. XXXX XXXX XXXX has been deemed a failed bank and has been out of business since XX/XX/XXXX. I have documentation that Springleaf of XXXX  filed a proof of claim for the balance of {$5500.00} on XX/XX/XXXX, a transfer of claim was then done by XXXX XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that Springleaf recalled the debt due to the account being paid prior, the recall was completed on XX/XX/XXXX. Springleaf has said that they show this account- reference number XXXX  as an unsecured debt and therefore have no lien to release. I've held up my end and completed all payments agreed upon as requested. I simply want the title to the vehicle so that I can move forward and on from this bankruptcy. It seems as if the laws don't cover the consumer and basically banks on the consumer not completing the payments due on the bankruptcy. I've made attempts to contact the FDIC since XXXX XXXX is now out of business. Again, I simply just want the title. I've spent countless hours on phone calls, writing letters, faxing and researching and no one seems to want to assist me but there was no issue cashing payments that were received for the debt. The dealership has offered me compensation for this trade and due to this issue I may lose the money on the t and
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Account shows 90 day late payment in XXXX of XXXX. Applied for a loan modification in XXXX of XXXX due to reduction of income due to my wife having XXXX XXXX. Followed all the directions in which we started a trial period of 5 months of a reduced mortgage. During this period we could not be late and had to pay on the XXXX of every month. We qualified for the assistance. Following Bank of Americas directions we where told to put a stop on our scheduled deposits for the original mortgage. They never communicated with their own departments and placed us as 90 days late. I have spent 16.5 hours on the phone with Bank of America and applied for 4 credit reviews with documentation and all came back as denied. This has caused us to have a higher interest rate on our new mortgage. Also dramatic reduction in my own credit scoring.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, it is not a duplicate complaint if I have yet to receive my request or answer to my complaints. Do you agree? I am requesting the credit report that was pulled in my name on XX/XX/2017. Can you, as XXXX XXXX, send or at least explain why you are not sending the credit report that was pulled in my name on XX/XX/2017? In addition, I am requesting why XXXX XXXX views the attached application is acceptable as complete when it is undated. Please answer. Transunion and XXXX, please answer if the attached application from your client, XXXX XXXX, is acceptable for you to supply my credit report to XXXX XXXX.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WA)

I was shopping at TJ Maxx in XXXX XXXX. When I was checking out the clerk asked it I'd like to open an account. I told her no, that I'd already had an account with TJ Maxx and  that apparently when the card isn't used frequently enough the account is automatically closed. The clerk said that she could just open my old account. She assured me this wouldn't be a new account, just an opening of the old one, which she does all of the time. I agreed for her to re-open my old account. The  truth was she opened a new account, but led me to believe otherwise. This was very misleading. The new account and the check into my credit immediately dropped my credit score 9 points, I don't know if it will drop anymore.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (NY)

XX/XX/21 called my mother and a friend and told them that I was in legal trouble because of a debt and that there was a civil case against me and legal action would be taken against me if I didn't call.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-02-10
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: CHECK INTO CASH INC. (IL)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CHECK INTO CASH Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MS)

I applied for a loan back in the year of XX/XX/XXXX. I didn't receive the loan until XX/XX/XXXX. It was confusing about the loan getting to my account. My federal staff loan was XXXX and I didn't receive anything but only XXXX XXXX dollars. The school kept the rest to pay off the degree. I have a developed a business plan to pay back the school debt for borrowing the loan. Now I can't borrow anything. What can I do here?
Consumer complaint received 2018-02-12
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I recieved a notice in the mail off a debt of {$7300.00} dollars with my name on it from this Company in XX/XX/XXXX which I have no Knowledge of. When I decided to look into it I noticed that the Companies name was on all three of my credit reports. I do remember disputing this matter earlier in XXXX with all 3 credit bureaus but the account still remains on my reports. XX/XX/XXXX I sent the company a letter asking them to validate this account they never responded to my request. XX/XX/XXXX I decided to dispute it again with the with XXXX, XXXX and XXXX   only to have this account remain on my report without changes. XX/XX/XXXX I emailed this company with the same request for validation of this account thinking I would get a response from them this time on the matter. With no response from the mailed letter and email, I decided to send a second email to them of the same request. This time they responded to me stating that they will contact me after they do a investagation which I think was just said to get me to stop sending my request for validation. I been trying do get answers for a year now by myself but to this day this account have not been validated to me with any documentation.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, XXXX says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.