davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. I resent my complaint on XX/XX/2021 and to this date more than 90 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more than 90 days since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Consumer complaint received 2021-06-09
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. (CA)

I have filed complaints with equifax and XXXX  about my credit report from XXXX XXXX. Equifax is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. Equifax is reporting the balance owed as XXXX XXXX {$7500.00}. Equifax is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made XXXX payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from Equifax is {$1200.00} credit acceptance charged me $ XXXX.Equifax is reporting that my first late payment was XXXX XXXX but credit acceptance reported that it was paid on time.XXXX is reporting the loan amount {$11000.00} credit acceptance initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXX.XXXX is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to credit acceptance {$1400.00}. Equifax is stating I have over 19 late payments XXXX states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to credit acceptance on the XXXX of the month then credit acceptance will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX from my credit report.I believe credit acceptance reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I purchased three items XXXX  {$2.00}, XXXX at Best Buys in XXXX  NY XXXX in the store on XXXX. The delivery and installation to be made on XX/XX/XXXX and XXXX. 

Note I opened a Best Buy house credit line with the understanding I would be billed after delivery and installation. 

On Friday XX/XX/XXXX Best Buy the credit statement bill in the mail with a due date of XX/XX/XXXX I contacted Best Buys Credit customer service and complained that I should be forced into making a payment for goods not yet delivered or installed only to be told that if I did not make a payment I would be assessed a late charge and interest. 

On Thursday XX/XX/XXXX I was informed that my delivery and installation was delayed and I would not get delivery until until XXXX XXXX Due I have recourse. This appears to be illegal?
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

Recently I have noticed an account on my credit report with UAS/UVIRGINI. This account has been paid and closed. It has a balance of {$0.00} but the status is now showing 120 past due. I recently disputed this account information and the account is showing delinquent as of XX/XX/2019. This information is inaccurate and incorrect.
Consumer complaint received 2018-02-13
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. (IL)

Okay so I tried to purchased a car around XX/XX/2017 and the dealer mention 3 accounts that are reported to my credit which they do not belong to me ... I been receiving missing payments notifications from XXXX XXXX   yet when I try to view the missing payments I can't never find them ... I had contact trans union and I have not heard from them.. the accounts do not belong to me and is affecting my credit score .. can someone please help me
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery One, LLC (OH)

Perhaps this was some debt incurred by someone other than myself, unsure to be exact. This is regarding a company by the name of Recovery One, supposedly opened XX/XX/XXXX. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made by myself. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. 

The new laws are very explicit regarding All Debts now especially those causing adverse effects on my life. XXXX Credit Bureau is known to not validate/accurately verify debt disputed per formal XXXX XXXXXXXX XXXX. 

Tried calling the company to handle matter but they threatened to take me to court verbally and have me detained, and wages garnished. I called to discuss this and all they did was beraid me/threaten me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (FL)

There has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail XX/XX/XXXX.
Consumer complaint received 2021-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2018-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

Experian Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and XXXX.
Consumer complaint received 2022-10-14
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)

I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank
Consumer complaint received 2022-01-13
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. (FL)

Opinion..sadly a scam. They never post a drop in debt to income and the report rarely changes because it is NOT REAL TIME. FURTHERMORE unauthorized used hit my credit dropping the score. I can not shop without getting a lower score. This is by all facts and hundreds of reports a fraudulent system. I submit my score only to he told it's XXXX or XXXX points lower band then I'm told they use the credit bureau score. If so how can their score be lower. Because they use their own algarithims and credit reporting suppliers. Giant scam.example today... paid debt but score dropped XXXX XXXX Learn more XXXX Data XX/XX/2022 XXXX Fair XXXX See all 3 Bureau XXXX Scores Credit Usage 89 % Total Debt {$160000.00} Open
Consumer complaint received 2019-03-16
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: WELLS FARGO & COMPANY (CA)

I have a loan with WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (GA)

I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Debt Collection harassment of the debtor for credit card charge-offs issued by XXXX XXXX such as XXXX XXXX XXXX. I am a divorced male XXXX senior citizen living on social security. I have a difficult time paying for XXXX and the XXXX XXXX to minimize the XXXX of XXXX. I was XXXX   for complications of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A XXXX XXXX XXXX account was opened and merchandise purchased. I don't remember opening up this account. XXXX XXXX informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the drug coverage.  I would have to wait until open enrollment for coverage.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

i was put on XX/XX/XXXX hurricane financial assistance relief with XXXX XXXX credit card division of first national bank of omaha n instead of assisting me they close my account down as was not receiving statement as claim and they refused re open account n correct all deliquencies, they claim i so called owe XX/XX/XXXX and XX/XX/XXXX bill when was not getting paper statement they claim were mail out XX/XX/XXXX i paid XXXX XXXX dollars n instead of getting a paper statement claiming i owe for XX/XX/XXXX XXXX XXXX dollar n was hit with a XXXX XXXX dollars late fee then they sent me a bill for XX/XX/XXXX in amt of XXXX as i wasn't getting statement of bill they claim they sent me as want them strip of banking n credit card privilige and violating the hurricane disaster relief law of XX/XX/XXXX plus i was told i didn't owe anything till XX/XX/XXXX and instead i being lied to n account was shut down n not corrected as promised
Consumer complaint received 2021-06-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (WA)

I've been requesting a payoff statement from Cross Country Mortgage for nearly a month. I've sold this property and missed the closing date twice due to Cross Country being unable to supply a payoff statement to close the mortgage. I've spoken with multiple managers at Cross Country as well as received advice from USDA to file a complaint.

Cross Country continues to hang up on my calls, transfer me around constantly and just a general refusal to resolve the issue. This is the last contact information I was provided by Cross Country until they stopped responding to me : XXXX XXXX Short Sale, Deed-In-Lieu Specialist O : XXXX XXXX F : XXXX Loss Mitigation Department XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ilinois XXXX
Consumer complaint received 2021-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

XX/XX/XXXX, XXXX " Determination of Relief '' Student loans that were approved for discharge through borrower defense repayment have not been discharged nor was there any communication from servicer about details after approval from Department of Education . Additionally, interest on student loans have been accruing during COVID-19 pandemic.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (FL)

On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me...
Consumer complaint received 2022-04-30
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. (FL)

There has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail XX/XX/XXXX.
Consumer complaint received 2018-02-10
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: EQUIFAX, INC. (WA)

XXXX  has not updated my report as requested. XXXX XXXX XXXX  is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (FL)

On XX/XX/XXXX my SSI check in the amount of {$840.00} and on XX/XX/XXXX for {$750.00} was deposited in a NetSpend account. When I tried to access my funds I was denied. Since XX/XX/XXXX I have been told the following versions of why I can't access my funds. First the request was for a copy of my SS card and my funds would be released. Once they received it they then wanted proof of address. Having been XXXX  I asked if a benefit letter from the DS Administration would suffice and was told yes. I received the letter XXXX weeks later, sent it in digitally and it was rejected as unacceptable. ( NetSpend sent my card to the same address ). I asked what would be acceptable since I had no bills being XXXX. I was told a letter from my XXXX XXXX XXXX would work. I provided a letter sent by XXXX on XX/XX/XXXX. I was told this morning that isn't acceptable. I have requested access, requested a check, and requested them to return the funds to the SS Administration and was told without additional proof of address they can't. They strung me along all month till my next benefit payment was also sent to my account totalling now just over {$1600.00}. I have filed a complaint with the FTC and the Florida Attorney General 's office which provides me this link. Attempts to contact NetSpend now result in disconnection every time and I need help. I have no money for even the basic hygiene products. I read online that the FTC took NetSpend to court in XXXX for the same reasons. They were ordered to pay out {$10.00} XXXX dollars.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

XXXX XXXX XXXX Potentially Negative potentially negative icon show account button XXXX Account Number {$400.00} Balance XX/XX/XXXX Date Opened Collection account. {$400.00} past due as of XX/XX/XXXX. 

Status