davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc. (CA)

I spoke with a representative at Money Key advising them I'm revoking any and all ACH authorizations starting with the next payment date of XX/XX/2019. On XX/XX/2019, my account received an ACH debit from Money Key in the amount of the payment. I called and spoke to another representative who listened to the recorded call I previously made and said it sounded like I only wanted to revoke authorization for the payment on XX/XX/XXXX, I told her no that isn't correct I called to revoke any and all ACH authorizations. She then said she made sure to take care of that going forward and would speak to a Supervisor. The representative spoke with her supervisor and got approval for a refund and said that it would be refunded to my account on Tuesday, XX/XX/XXXX ( due to the holiday on Monday ) On Wednesday XX/XX/XXXX I received the refund to my account. Subsequently Money Key took out another payment via ACH on Friday, XX/XX/XXXX. I spoke to another representative on Saturday, XX/XX/XXXX who apologized and reassured me I would have the refund back to my account no later than Tuesday, XX/XX/XXXX and I still have yet to receive the refund. I spoke to someone again who said I should see the refund no later than Thursday, XX/XX/XXXX now.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd. (TX)

I got a call from someone 0n XX/XX/19@XXXX XXXX seeking some $ 600+ amount on behalf of XXXX . I asked details etc, XXXX, etc and they refused to give me. Just saying we are a law firm. I said ask XXXX to first contact me, I need to know what the collection is for but all the person got upset saying I am going to record it as non-cooperation. I don't know if this is a scam or what. Who pays without proof of what the payment is for? How come if XXXX says, we owe them, not reached out to me over the phone since I had an account with them? I am willing to pay if it's something we owe only after verification of the same, quote, etc. Don't know why they will not give me information or XXXX will not call directly first if we owe them the money. Please help. We have a clean reputation since 1999 and certainly don't entertain threatening phone calls with no proof. 
I filed a complaint with XXXX case # XXXX. I informed XXXX and they replied to me as per this, there is no debt we owe. 

Hello, I have talked to our credit department and Mr XXXX does not have any open invoices with XXXX XXXX. 
Thank you! 
Please let me know if I can assist you further. Thanks for choosing XXXX XXXX! 
XXXX XXXX Customer Service Specialist XXXX XXXX XXXX XXXX, IA Office : XXXX XXXX The caller kept on repeating he is a lawyer. My phone showed him calling from XXXX - Levinton Law.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan Managment Services will not provide an assignment document for my refinance with XXXX   XXXX. They were contacted 9 weeks ago, on XX/XX/XXXX, and i have written and called numerous times. I am paying an over market interest rate and have to believe at this point that Rushmore benefits from the delay in some way. The service on the phone is very poor with extended delays in connecting and getting someone to actually work on this.
Consumer complaint received 2023-02-17
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. (GA)

I sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX. Please have this one removed as well.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

I am sure that I am not the only person having this problem. Soon after the Equifax data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like Equifax, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
Consumer complaint received 2024-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In light of TransUnion and XXXX response to my complaint through CFPB, 60 days is not an option. Theyve been receiving challenges and notices since XXXX or XXXX of this year and also had disputes they disregarded last year. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes WITHIN 30 days of receiving a consumer 's dispute notice. They must complete the investigation, inform the consumer of the results, and provide a summary of their findings. If the information is found to be inaccurate or incomplete, they must correct it or delete it from the consumer 's credit report. THEY DID NOT DO THIS. I would like my requests to have said items removed to be honored and honored within the next 30 days according to the law by which the agencies are to abide and I know that they will.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not heard back from Transunion with regards to this XXXX XXXX XXXX investigation into this account that do not belong to me. I would like this XXXX XXXX   XXXX account removed from my credit report. Please assist me in getting this done. 

It has been more than 30 days since I submitted a dispute with regards to this issue.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (IL)

XXXX XXXX system must be experiencing a bug or glitch, as they are offering conflicting assessments of approval odds for the same product. As you can see in the " XXXX '' screenshot attached, CreditKarma indicates there are five different thresholds/tiers for approval odds : 1 ) Excellent, 2 ) Very Good, 3 ) Good, 4 ) Fair, and 5 ) Poor. As you can see in the " XXXX '' screenshot attached, on the left hand-side of the product being recommended to me, there is a vertical bar chart with five squares that are clearly meant to correspond with the 5 different approval odd tiers. If three squares are filled in, the consumer has a " Good '' chance of being approved, if five then " Excellent '', and so on. As you can see in the screenshot, four of the five squares are filled in, indicating " Very Good '' approval odds. However, immediately adjacent to the four filled in squares I'm being told my approval odds are somehow better than " Very Good '', they're actually " Excellent ''. It's unclear which of the two assessment is the truthful one. Obviously, it be more concerning if the " Very Good '' one was the reliable assessment since customers with non-Excellent odds are being told they have Excellent odds at being approved.
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 — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XXXX.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MS)

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was looking over my paperwork, and saw how bad I am being cheated. This XXXX grand caravan, blue book value is XXXX, they got me owning XXXX. Mississippi rate should be 8 % they got this 11.20 %. They also told me I had money coming back off my old agreement he said I would get a check, I waiting about two weeks it did not come I called he said it went on your down payment. But it 's not in my paperwork. It was about XXXX dollars. I need help with this. My payment is XXXX, XXXX on van XXXX a month finance charge. 
XXXX XXXX XXXX
Consumer complaint received 2016-10-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. 
Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (CA)

I am a 6 year, 2 car lease customer of XXXX.Despite logging in to pay my XX/XX/XXXX bill, the payment did not post ( 1st time in 6 years ) .Emailed President of XXXX . A " special IT investigation " was launched to see if there is any evidence of logging into pay XX/XX/XXXX payment as the VW Financial Agent " XXXX '' said that if they see I logged in on the day I said that would show intent and that would substantiate that I tried to pay my bill. They called me and said the report shows I did login like I said I did. However, the report coincidentally stopped short of providing what they deemed necessary to show " intent ''. They said the report shows I logged in on the same day I have for XXXX past 6 years. However, they didn't release anymore info and closed the case. I requested a copy of the " IT Investigation '' report. They then stopped returning my calls. I feel not only are they hiding information needed to clear report, but they are also retaliating for a prior lawsuit I had with them in which I prevailed. My credit has seriously suffered due to this incident. I want to subpoena the reports and clear this false late payment. 

Based on their logic they are saying the following : I did in fact login as I said I did on the same day I have for 6 years prior to pay my bill. However, this time I intentionally decided to not pay my bill after logging in, ruin my long standing perfect line of credit with them, and logout. 

This is ludicrous. I now can't purchase a home as I intended this year, a new car since my 2nd XXXX is up in a couple months, etc etc. This is not right and I want this false report removed from my account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. 3. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from report.
Consumer complaint received 2019-10-29
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. (IL)

XXXX & Transunion have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

in 2015 I went to bye a pickup truck from a dealership and that is when i was informed that i had purchased a home in Texas and also bought a car in XXXX XXXX so ever sense that day my credit score has went down. the thing that i do not know what to do
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caneel Capital, LLC (NY)

Trinity Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and their number is XXXX : ( XXXX ) XXXX. They hold a XXXX mortgage on the property. There is a senior lien on the property from XXXX XXXX XXXX, XXXX and they have approved short sale on the property which expires on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX i was advised by Trinity Financial Services , LLC that the investor on the mortgage have approved a short sale offer for {$8200.00} to close the short sale.Alos, advised please provide acceptance or decline by XXXX/XXXX/XXXX at XXXX, which the oofer acceptence email was sent tot hem the same day on XXXX/XXXX/XXXX. Since, then every time they are being called for update they are providing the same response for the past 15 days that the approval letter needs to be signed by their upper management and its not signed. Every time, when a call back is being requested from the supervisor the call is not being returned and they hang up the phone.
Consumer complaint received 2017-10-17
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. (IN)

XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

PNC Bank has taken over my accounts @ BBVA Bank. In some 2 months since the takeover PNC has failed to provide new checks and debit cards or any materials required to use the new account with them.. Repeated calls to their " customer service '' numbers have resulted in waits on " hold '' in excess of 40 minutes and resulted in no one who has been able to resolve these issues.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2018, I enrolled in a Capital One Savor MasterCard online with an offer of {$500.00} bonus if you spent {$3000.00} on the card within 3 months of opening the account. I was approved and adhered to the stipulations by charging over {$3000.00} on the card within the required time. I never received the {$500.00}. When I called customer service, they informed me that they never had this offer.I have since written letters to the One CEO, XXXX XXXX, as well as XXXX XXXX. I have sent emails & also mailed letters with a response that their offer was for a {$150.00} bonus after charging {$500.00} in purchases. I even sent them a copy of the online offer and requested a copy of my application showing the offer I submitted online. I have only received their Terms & Disclosures which doesn't show the offer that I enrolled in.They owe me an additional {$350.00} as Capital One credited me with only {$150.00}. My Savor Account ends in XXXX and the cases are # XXXX & case # XXXX. I have received letters from XXXX stating that I applied for a Savor One MasterCard which I did not apply for but did apply for a Savor Rewards card and asked for a copy of my application which they failed to provide. This is an out right scam from Capital One!
Consumer complaint received 2017-08-08
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: Bread Financial Holdings, Inc. (NC)

XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - Comenity bank/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - ComenityBK/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (WA)

I'm victim of Identity Theft, and I've asked XXXX, Equifax and XXXX to freeze my account from XXXX XXXX XXXX  which they have not all done. I've provided all three documentation pertaining to this and they refuse to take any action. I can not do this on my own and I need help urgently!!!
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX