davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (IL)

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Consumer complaint received 2019-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

US bank account was opened and funded on XXXX XXXX, XXXX to fulfill the promotion for the XXXX promotion but incentive has not posted yet. XXXX bill payments were made on XXXX XXXX and XXXX XXXX, XXXX. It has been more than XXXX months but no sign of the bonus.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion seemingly did little to no investigation from what I can tell. It does not help that they add a character limit for explaining your complaint regarding an investigation. 

My account with XXXX Bank went from good standing to bad after this " investigation '' which is bad for the lawsuit that XXXX XXXX forced on me as what I perceived as intimidation due to the potential financial costs. 

I do n't see any inquiries by Transunion about the card being NEVER used, about XXXX Bank listing me as never having made a payment even though XXXX Bank lists a balance and upon calling Transunion the person I spoke with in XXXX was not able to help much other than offer a 37 day investigation for something I tried to correct him on.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc. (CO)

On XX/XX/XXXX, I went into the Conn 's at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I was looking to purchase a dishwasher. The customer service rep talked to me about financing. I applied for a credit card which was offered through XXXX XXXX. The rep told me the credit was declined but said I would be approved for the store financing. I left without accepting that offer and made no purchase. On XX/XX/XXXX I received an alert that a credit card was opened from XXXX XXXX. I believe they store is untruthful so that consumers will use their financing offer instead.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

On XX/XX/XXXX found out my property was getting foreclosed on when the documents was submitted on time and before the 37 day time period Rushmore Loan Management Service keep stating. Rushmore Loan Service Management did not notify the third party or me that if any document was need or missing. Rushmore Loan Service Management claimed they tried to reach me in regarding to this situation which was not true. They was informed to contact the third party on behalf of me. I did not request for a loan modification assistance. Rushmore Loan Management Service keep giving me a run regarding loss mitigation assistance. I reapply for assistance again and I am still keep getting the run around once again.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CO)

Near the end of XXXX, I transfer all of my assets from the app Robinhood to another platform, XXXX. Shortly after transferring, all my assets were frozen and I was not able to withdraw them from either platform. They put an unwanted restriction on my account, and after many days of waiting they have kept pushing back to date of my account will be reviewed. Every day I check it, it states that it will be the next day. The amount transferred was exactly {$19000.00}. Robinhood has not been able to provide any information on why my account has been restricted and will not give me a real estimated time.
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT CONCEPTS, INC. (WA)

Credit concepts is ripping off subprime consumers. I purchased the vehicle at $ XXXX, put down $ XXXX and made monthly payments of {$300.00} for two years then they garnished my wages of $ XXXX-XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? They are just adding ridicolous fees on top of fees. And never no explanation. Theres no way I've paid all this money into this loan and the balance hasnt even moved or decreased. If this were to happen to one of them they would understand and would be arguing this matter too. I am not getting treated fairly and its been since I advised them I was a DV victim and now I am being discriminated and charged. I have a coworker who is behind on her credit concepts loan for 7 months and she still has her they never call or even try to repo her car.
Consumer complaint received 2024-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/year> there was an inquiry from Capital One which I did not authorize nor recognized. 
Following I got an email from Capital One saying that my phone number was updated to my account -- I DONT have an account with capital one Following to that, I received another email that my account was set up as paperless -- Again, I DO NOT have an account with capital one Lastly I got an email that I was approved to a Savor One Capital One credit card for {$1000.00} that I did not apply for.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am in chexsystems for my bank account that was compromised due to my information being stolen and now I owe a debt because of it I would like to be removed from Chexsystems so that I can open up bank accounts like everyone else thanks
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.
Consumer complaint received 2017-08-16
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: Experian Information Solutions Inc. (CA)

I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.
Consumer complaint received 2024-03-10
Product: Credit 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 (MA)

XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Capital One XXXX Capital One XXXX XXXX XXXX Virginia XXXX Sir : By way of introduction, I am long term customer who has some problems with a returned item. 

It is my understanding that I have sixty days from mailing of the statement, or, sixty days from receipt of merchandise, to dispute a charge. 

The delivery date for the merchandise was XX/XX/XXXX, XXXX failed to deliver it on that date. I tried to get a refund, but they demurred. 

I would like to dispute this charge, as I believe is allowed. 

Thank you for your assistance, and while I await a response, I trust you will accept this letter as Respectfully submitted, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Account ending in XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : On XX/XX/XXXX, XXXX XXXX # XXXX XXXX bought a special-order vase from XXXX for XXXX with a delivery date of XX/XX/XXXX. 

When the order was not delivered by XX/XX/XXXX, we opted to cancel the order. XXXX has not responded. 
We are asking for a credit. 
There was/is no return policy posted anywhere. 

XXXX. As the delivery was not due til XX/XX/XXXX, the 60 day dispute clock does not start til then and a complaint was filed within that timeline. 

Thank you for your attention to this matter and I trust that you will accept this letter as Respectfully submitted, XXXX XXXX
Consumer complaint received 2019-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2017-08-16
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: Colony Brands, Inc. (CA)

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Consumer complaint received 2021-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation (CA)

On XX/XX/XXXX, I previously disputed an account on my credit report with Pacific Credit Exchange stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. '' I am disputing the legitimacy and accuracy of the original account. I didn't receive any documentation supporting the results of the investigation. I am requesting proof of the investigation and proof that this debt collector has a legal right to collect, or delete this account from my credit profile. 

I am in the process of buying a home and the credit report obtained shows the date of last activity is XX/XX/XXXX, but also reflects the account was opened XX/XX/XXXX with a past due balance of {$4300.00}. This does not make since. How can an account be opened after the reported date of last activity. This account is reporting inaccurately and needs to be removed from my credit report. 

The account has since reporting a date of last activity of XX/XX/XXXX and I don't understand how this account can keep reporting activity when I haven't done anything. 

If this debt is infact valid, I would like to see the date of last activity from the original creditor.
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX for an emergency. I received my bill ( {$550.00} after insurance ) in the mail, and setup a payment plan after speaking with a member of the XXXX payment staff, but I was not notified when the my auto-pay was canceled for no apparent reason after months of payments. Almost two years later ( XX/XX/XXXX ) I received a phone call stating my debt was in collections and my credit would be effected through Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. The remaining balance was {$210.00} which I paid immediate XX/XX/XXXX. 
I was not properly notified of any of the collections, and believed I was cheated and robbed.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

XXXX pulled a copy of my credit report and saw a new collection/chargeoff from XXXX. I sent a letter to Transworld System Inc dated XX/XX/XXXX requesting a validation of the debt with no response. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 2nd letter, certified to Transworld System Inc XXXX XXXX XXXX XXXX XXXX PA XXXX dated XX/XX/XXXX. It was marked delivered on XX/XX/XXXX. 

XXXX-I pulled a copy of my credit report and saw account still reporting despite the company never validating the debt or responding. I sent a 3rd letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 4th letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

As of XX/XX/XXXX, this account is still reporting and I have yet to receive a response.
Consumer complaint received 2019-03-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

I had a National Declared Emergency from Hurricane Irma in XX/XX/XXXX. My servicer for my VA loan was XXXX who at that time offered a forbearance for three months because of the storm which would have been XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments in forbearance then I would start back up in XX/XX/XXXX. Which I did then they sold my mortgage to Selene Finance in XX/XX/XXXX which then Selene couldn't give me any Information on loan status or payment info until they received all documents. I was told by XXXX that the forbearance payments would be just tacked onto end of loan. Selene Finance never agreed to that initially, but then did and raised my interest rates from 4.5 to 5 %. They also reported my to all the credit bureaus up to 180 days late, which XXXX never did. I paid every payment that asked for on time but instead screwed my credit over and changed my interest on my loan by raising it to 5 %.
Consumer complaint received 2021-09-08
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 (FL)

I pay XXXX XXXX {$1000.00} On XX/XX/2021. 
And I never received any services for my money. The {$1000.00} was to help me with a divorce case. I contact capital one but they never give me my money back. 
I also contact the merchant but she refused to give me back my money. I will never pay back the {$1000.00} that is charged to my credit card because I didn't get any services for my money. Also capital one is using my tax dollars. the money that they lend me is the Federal government dollars which are my tax dollars
Consumer complaint received 2018-03-24
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: WELLS FARGO & COMPANY (CO)

Initiated the application process for a Wells Fargo credit card but did not complete the application process. I did not agree to the terms and conditions which were presented during the application process. When presented with the terms and conditions agreement page I closed out of the application.

Even though I did not agree or authorize an account to be created in my name I received a credit card approximately two weeks after initiating the application process. A balance transfer was made to another credit account which had a zero balance. This resulted in a balance transfer fee of {$270.00}. The initial balance of {$9000.00} was refunded to Wells Fargo. However, after multiple attempts at resolution I am still encountering resistance from the XXXX XXXX XXXX XXXX XXXX  on canceling that balance transfer fee and closing the account which was never authorized.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

Hello, I paid XXXX XXXX  a total of {$290.00} on my XXXX  credit card onXX/XX/XXXX {$99.00}, XX/XX/XXXX {$99.00} andXX/XX/XXXX {$99.00}. I noticed that no progress was being made regarding to the services said company promised.
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Cycle Management Corp (VT)

Back in XX/XX/XXXX 2015 I XXXX and due to being on a collection XXXX ended up going to XXXX. There I did give my information ( medicare ) and I got my XXXX XXXX XXXX XXXX. The morning after the XXXX had already come off ( shoddy work ) and after a days work I only had XXXX left ( I ended up having to XXXX myself ). Month or two later I get a bill XXXX where they want {$340.00} from me. I promptly respond to the bill asking them to explain. What I got from them was what I am including as an attachment ... .i.e. a very cryptic itemized invoice that explains nothing. It does show the XXXX ripping off medicare for XXXX and me for the rest! I wrote them back telling them thats not going to work. That was the last I heard from XXXX. 
Later I get a letter from RCMC ( collector ) asking for the money. I go through the same process of writing to them and last week I get notified they have added this to my XXXX credit file.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

I contacted one of the friends residing in America and explained to him that I need to develop our current factory and we need financing, and his name is Mister XXXX, and he is the one who mediated between us and the finance company Contracts and financing terms have been sent to us, and all official documents proving the legality of the company have been sent Accordingly, we transferred {$76000.00} as expenses to the insurance company But unfortunately, we have discovered that it is a fraud and that all the websites we deal with have been suspended after we transferred the amount