davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Management Recovery Corp. (NMRC) (TX)

I received a phone call from my bank tell me there was a certified letter from an attorney 's office tell me they were putting a hold on my account. The hold was due to a payday loan company for a past due balance that I didn't pay. They gave me the attorney 's phone number telling me and extension telling me if I didn't arrange payment that they would put a lien on my bank account. 

The amount they told be to pay was {$1700.00}. I immediately transferred {$1700.00} to my checking account to cover the amount of this debt. 

When I called the bank to ask them about the hold my account they didn't show that I had a hold on my account. 

Now I am beginning to wonder if this was a bogus claim. I do show the letter from the company showing I paid the amount in full.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DC)

The online account for my Santander Bank credit card ending in XXXX got blocked when I entered the wrong password. I called the credit card company and the agent on the phone said that I would have to provide my valid id at a physical branch in order to reinstate my card. I explained to them that I do not live in a city with a Santander branch but the agent insisted that the only way to get back to my online account would be to provide my id documents at their physical branch. I live in Washington D.C. and the nearest Santander branch is in Delaware. Despite providing them with my full id information by phone, I do believe that the agent who blocked my account and stipulated physical id verification did so because of my name as it relates to my race and national origin. The agent had an aggressive tone from the beginning and told me that even though my answers match what they have on file she will block my credit cards. She said that if I could not go to a branch to verify my identity I could continue using my card and keep making payments by phone but my online access would be blocked until I went to a branch with id. However, this turned out to be untrue because I tried to use the card in question and found it to be blocked when I tried to use it on a web payment on XXXX. 
Upon calling back a second agent told me that I can send a notarized letter to them ( in which I certify my name and date of birth ) in order to reinstate my card. When I asked if I could be reimbursed for the cost of the notarization they refused. I felt really humiliated and somewhat wronged by the credit card company for simply wanting to use their card like a normal customer. I also escalated the call at this stage and spoke to a supervisor and although she seemed understanding and courteous she said that because my account has been blocked by the former agent I would have to go to a physical branch or provide the notarized letter that I described above and she would not be able to unblock it, she also could not commit to reimburse me for the cost of notarizing the letter that they need.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (CA)

The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, Debt Recovery Solutions, trying to make me pay {$640.00}.
Consumer complaint received 2023-01-30
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am a US XXXX Veteran with an XXXX service record and XXXX. I purchased a XXXX XXXX XXXX from XXXX with an auto loan from Capitol One Auto Loan on XX/XX/XXXX with a comprehensive/liability policy through XXXX. All payments were made on time as outlined in the contract. In XXXX of XXXX, the car was totaled by a semi truck when the semi swerved impacted the front of my vehicle. I submitted the claim to my insurance company ( subcontracted through XXXX ). XXXX XXXX denied the claim, stating they had canceled my policy due to non-payment. The last payment on the loan was XX/XX/XXXX with a balance due outstanding. 

FACTS : Insurance ( XXXX ) was procured and set up on auto-payments deducted directly from the same ( XXXX ) checking account. XXXX failed to notify me ( user ) of certain changes in 3rd Party insurance providers ( subcontractors ), used old contact information from nearly 5 years prior, and never notified the LOSS PAYEE ( Capitol One Auto Loan ) of the lapse which resulted from a breakdown in communication. XXXX did not notify anyone until the claim for the total loss was filed. 

The loan required the buyer to maintain a comprehensive insurance policy on the vehicle for the life of the loan. At no time was the alleged lack of insurance or alleged lapse of coverage reported, and at no time was I notified by the XXXX or Capitol One Auto Loan of the alleged lapse in insurance coverage. This is in violation of the contract and agreement by the lender. The lender ( Capitol One Auto Loan ) failed to report the lapse. With the lender listed as loss payee on the vehicle, it is the responsibility of the insurance carrier to automatically notify the lender of coverage and any changes therein, as is outlined in the agreement terms of the contract. XXXX failed to notify Capitol One Auto Loan of the lapse, and neither Capitol One Auto Loan nor XXXX notified myself ( user ) of the lapse until after the claim was filed. 

I am not financially capable of paying this loan. I can not afford an attorney and I am considering filing for Chapter XXXX.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The credit bureau is incorrectly reporting personal information and unverified and inaccurate accounts and have failed to provide proof of updated information nor delete the inaccuracies
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have purchased Experians Credit and personal monitoring Twice now Since I have been aware of Identity Issues with my name and Ss # And Both times it seems to not work. Also I have disputed several inaccuracies and nothing seems to work if I dispute something its back on my account within a day or so. And I know by law that they are to give you in writing a 5 day notice to let you know its going to be put back up to embarrass you or you can fight before it does. I have not been given that. Also my account was made by someone else I stumbled onto it. And Things have been happening That Im still trying to find out. They need to be more thorough with their monitoring system.And write or email the consumer about any new information that is sent to them to see if its accurate. Because Identity theft is A real struggle and its never ending Ive been compromised both times I paid for service and locked my account I feel so alone because they arent even helping me and to this very moment I have to change my password every day at least a couple times a day. XXXX XXXX P.S. Ive lost control of my last Email its gone!
Consumer complaint received 2023-03-22
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

I sent your bureau a dispute letter in regards to these accounts on XXXX asking that they be removed.. To date, I have not received an investigative results report. Please note that is a 30 day violations to date. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these two accounts liste under ACCOUNTS TO BE AMENDED to never late. 

I have a real estate transaction worth {$450000.00} being held up in escrow due to these negative accounts being reported on my file. I must close my real estate escrow by XXXX.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc. (MD)

XXXX XXXX, a collections company, has been calling my business after have been advised multiple times to cease calling my company. The person identifies himself as either " XXXX '' or " XXXX '' however they are the same person. There is a dispute between how much I own XXXX  XXXX and XXXX XXXX is attempting to collect the debt. My administrative assistant has advised them to cease all calls to this office. They continue to call using threatening language. I have recordings of all calls. See below times and dates : From : ( XXXX ) XXXX NA Today XXXX Phone Call Accepted XXXX Voice To : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX VoIP Call Call connected XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Wed XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Mon XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Accepted XXXX LegalPrivacy XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX. 
All rights reserved. XXXX and the XXXX logo are trademarks of XXXX, XXXX.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Since PenFed have switched to their new mortgage system I have had nothing but problems. I am filing this complaint at the request of a PenFed agent as they dont have any control over these issues and are unable to assist me further. I am no longer able to make payments online so each month I have to call to make payments. I have put in 2 service tickets to get this issue fixed but as of today I still can not make online payments. 

The first payment I made with an agent over the phone on XX/XX/2020 was drafted incorrectly from my XXXX XXXX account instead of my PenFed account as requested. This left my XXXX XXXX account over drawn until they returned the payment resulting in a returned payment fee. 

The second payment was made on XX/XX/2020. This payment did draft out of my Pen Fed but according to the pen fed agent didnt post correctly resulting in late fees. All the agent was able to do was put in a request to have the late fees waived and have the payment reapplied correctly. 

Additional concerns are : Why arent customer service agents able to make changes to mortgage accounts? Anything from making a payment to changing something on my account has to have a request made and sent to someone else. 

Why does it take more than a day to make internal transfers from my PenFed account to my PenFed mortgage? Before the mew system this was an instant process.
Consumer complaint received 2020-05-07
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. (CO)

I have filed disputes with Experian since XXXX of 2020, in addition I called XXXX dispute number. I was placed on hold 2 transferred and hung up on after being told someone would immediately update my errors in my Credit File. My Bank has submitted a XXXX balance for my loan through the XXXX XXXX XXXX XXXX, since XX/XX/2020. Experian reports that my balance is maxed out. In addition they are reporting that my credit card balance is XXXX dollars for the same creditor it is also XXXX and has been for over 60 days. This is impeding my ability to obtain a home mortgage a negatively impacting my FICO score and debt to income ratio. In addition there is an duplicate entry by a debt collector for XXXX dollars that was previously deleted, the debt collectors name is XXXX XXXX XXXX. This was previously deleted from my credit report as it was paid in full to the original creditor, XXXX XXXX  Hospitals. I never received a bill. and The original creditor withdrew the debt, yet Experian continues to report in on my Credit report. I am requesting the information be immediately deleted from my report for XXXX XXXX XXXX and the correct balances be updated on my credit report.
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (GA)

I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and equifax to only receive a letter stating verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

In XXXX chase mortgage charged off the XXXX on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

This account is already PAID. I am seeing repetitive 30-day late marks which is a clear violation of the FCRA and it is severely affecting my scores. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (VA)

I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX ) and/or XX/XX/XXXX ( Experian and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( Experian XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX