davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
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. (FL)

This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management XXXX XXXX XXXX
Consumer complaint received 2019-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assurance Professionals LLC (TN)

XX/XX//2019, I was checking my credit report and there was an account that was given to collections about a bill that I do not know anything about and I never received any statements from original credit - for health care services. I've worked on cleaning up my credit report so that I could purchase a home and this account was not on my credit report ; now it is showing on the report. 

I never received any statements or letters about this and I was unaware of this account. I have tried handling this on my own, except my complaint is with the Original Creditor and the Collections Agency. 

I do not appreciate a place of business XXXX XXXX that does not send you notification or statements pertaining to a bill ; especially if you are not aware of it and they turn it over to a collection agency.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SC)

I recently opened an account with chime and everything was fine until my second deposit. I had recently received my credit card and activated it that morning, that afternoon I got an email saying final steps and more information was needed. I started following the steps in the email and stopped half way through. Then I got an email saying there was a log in to my account from XXXX. I reside in XXXX XXXX, I immediately changed my password and while I was changing it I got an email saying I had transferred {$1000.00} to some email address I had never seen. I finally logged into my account and saw this transaction and immediately called customer service. The first representative said no money had moved from my account ( all of this happened in less than XXXX minutes ) I asked her to cancel the transaction and she did not, she began to ask me questions that I had already answered and filled a dispute instead of canceling the transaction. I was then told I have to wait 20 days to even get a credit. I sent in supporting documents showing the email I received and also the log in from the unknown device. I was contacted in less than XXXX hours and told my claim was denied. I called back and asked for a supervisor who showed no concern or empathy at all and was told well we can open a rebuttal but if you send in the same information theyll close it in an hour. I was livid at this point but I submitted the full timeline of emails showing where there was a log in and transfer done while I was trying to resecure my account. I asked did they get my documents previously and no one could answer the question. It would take me 20 days just to get a credit but they take less than XXXX to deny me. Looking at complaints from this company this is an ongoing issue with accounts being hacked and people having issues getting their hard earned money back. I thought switching here would be beneficial to me but I have more of a headache then Ive had with any other accounts.
Consumer complaint received 2021-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/21 sent a letter request validation for an alleged debt. It has been more than 45 days and I have yet to received any response from the credit bureaus or the credit card company.
Consumer complaint received 2019-02-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a potential debt for XXXX XXXX XXXX XXXX on my credit report from XX/XX/XXXX. It says that it is from XXXX XXXX XXXX in which I was not in an ambulance in XX/XX/XXXX. I requested more information on the debt from all credit bureaus and have not received anything. With all disputes resulting in the collection saying that it is verified but no information AT ALL. The beginning of XX/XX/XXXX, It was deleted from all reports after filing another dispute in XX/XX/XXXX asking for more information again. Today it reappeared on my Experian report. I have not received any notice of this account being added back. The account is still not on the other two but do not know what to expect. Why am I being denied more information on an account that is on my credit reports?
Consumer complaint received 2019-10-04
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC (MD)

The catalytic converter was stole out of the car and tried working with the Auto Trakk while in the hospital battling XXXX. After I was not able to buy the stolen part for over three months I decide to buy a new car after several conversations with the dealership. I did not see the paperwork until after recently. I emailed and called Auto Trakk 's customer service. I asked for someone to send a copy of the breakdown of the charges of {$1800.00}. A copy of the what i have paid and what was applied. I paid {$200.00} per week for over 57 weeks. The amount of XXXX paid and I still owed over 12K and an additional XXXX  paid on my new loan. Auto Trakk is refusing to send the statement of paid amounts and the what the monies paid.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (SC)

i noticed this debt got added to my credit file circa XX/XX/XXXX. Sequium Asset Solutions Failed to send me a notice that they were trying to collect a debt therefore they have violated my consumer rights. I have disputed this debt with all three credit bureaus as well as Sequium. Sequium did respond to my dispute with the bureaus with a questionable bill of service but was unable to provide any solid proof of this account being mine. I also sent Sequium notice via USPS certified mail circa XX/XX/2019 that they have violated my consumer rights by not sending an initial dunning letter giving me my rights to dispute the debt and they have ignored my request to remove this from my credit reports they also have ignored the letter i sent notifying them of their failure to comply by sending me an initial debt notice. I demand this be removed from my credit file otherwise i will seek legal council against Sequium Asset Solutions for their non compliance with the fair credit reporting act!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters. 

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items. 
Offer compensation for the inconvenience and emotional distress caused by this ordeal. 
Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

( Credit Bureau systems ) at ( XXXX XXXX XXXXXXXX XXXX, Ky XXXX ) opened account XX/XX/2020 has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance is incorrectly reporting a 30 day late payment on my credit report for XXXX XXXX. I have a credit report dated XXXX XXXX XXXX that did n't report a late for XXXX, but showed a late in XXXX XXXX, also in error. Also attached is a report from this account from XXXX directly that shows XXXX in XXXX. 
We notified Honda, and they updated XXXX to reflect as paid as agreed and removed the late, but at that time they THEN reported XXXX as a 30 day late, as shown on my credit report dated XXXX XXXX XXXX. There should be no lates shown since XXXX XXXX. I have tried at great length to have Honda correct it but they refuse. I am attempting to buy a home and a new car, and this error is having a significant impact on my ability to qualify and the cost of credit with interest rates. Honda had system problems that were causing payments to not be posted or processed correctly, and they even had an announcement on their website, and their phone system informed people of the problem when you called in as well. ( and we have a photo of their website showing that announcement ) We also have all the proof that shows when the payments were made ( not 30 days late! ) I spoke to XXXX in XXXX at Honda financial together with my mortgage broker, on XXXX XXXX XXXX, with no success. At our request, she transferred us to leave a voice mail for her supervisor, XXXX, which we did. 
Thank you for your assistance.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXXXX/XX/XXXX) is responding to the complaint filed by XXXX XXXX XXXX Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting New American Funding having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management New American Funding
Consumer complaint received 2021-04-01
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. (TN)

I have contacted and notified all parties involved : ( XXXX, Equifax, XXXX, Us Dept Ed, and Dept Ed/XXXX  ) of these fraudulent account ( s ) reflecting my credit report.US DEPT ED {$7100.00}, US DEPT ED {$4100.00} and DEPT ED/XXXX {$5900.00}, XXXX XXXX {$3500.00}. I have continued to receive the same frivolous responses from all parties involve.
Consumer complaint received 2017-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITY NATIONAL BANK (CA)

I have 2 loans with City National Bank, and have been paying on these loans for many years. In XXXX of XXXX, I sent payment as usual to City National Bank on the XXXX of the month, and for some reason they claim that they did not receive it until the XXXX, and charged me a late fee of {$220.00}, and I contacted XXXX XXXX, Relationship Officer, and was told that it is not their problem but a issue with post office. The late fee is charged after the XXXX of each month, and since the payment is being sent from XXXX XXXX to XXXX XXXX, as always, believed that there should not be an issue. 
This month, XXXX, I sent payment on this same loan on the XXXX, and the payment was posted on the XXXX, with a holiday in between ( XXXX XXXX ), and do not understand why the payment was posted in a reasonable time frame with a holiday? 
I then sent payment on the other loan on the XXXX of XXXX, and they claim that it was not received until the XXXX, which again does not make sense since the other loan was received within 5 days with a holiday, and they want to charge me a late charge again, now on the other loan. I contacted them on the eve of the XXXX to see why it had not been received, and they did not respond. 
I have contacted XXXX XXXX, customer service, and XXXX XXXX ( supervisor for XXXX XXXX ), and they tell me that it is my fault and the postal service. I have been paying the same on these loans for 8-10 years, and yet they give me no courtesy on this situation and I can not continue to be paying late fees on these loans. 
I am sure this is happening to other consumers, and is not fair lending practice to not apply payments in a timely fashion. I would like someone to look into this practice, as I have other loans and do not have any issue with any other lender besides City National Bank.
Consumer complaint received 2021-06-27
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: GLOBAL PAYMENTS DIRECT INC. (MN)

I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my Global Payments Check Services , Inc., Consumer Report. The accounts and information is all fraudulent, not mine and dont belong to me. I was just released from XXXX after being XXXX for over 17 years. Review the attached documentation. My consumer report should be clean and positive with Global Payments Check Services , Inc., Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (GA)

I do not owe this bill, I disputed with the company. I recieved 10 calls from them in one day and then I kept hanging up on them, they kept calling me back and then blocked the numbers. told me that they would put me in jail if I didnt pay this bill. I was shocked and went to the police department, field a complaint. They told me to just dont answer the phone anymore. I do not owe this bill. The sent this bill to my family members house, a friend mines house and then to another address. Which I never gave them any of my personal information. The other employee told me that once the dispute goes out they would call me again and start the process over again. That I owed XXXX XXXX {$100.00}. I do have copies Im waiting for from my cell phone provider of all the calls that day they harassed me. I also had to go back ER behind these calls,,
Consumer complaint received 2019-11-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I have contacted Experian Credit Services ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) numerous times pertaining to personal information being incorrect and reported within my credit profile with this company. Its numerous wrong NAMES as well there are inaccurate ADDRESSES by them that I was told they wont remove because theyre connected to an account which I already made them aware those accounts arent mines. Therefore I am taking further steps in submitting my complaint with the ( CFPB ) to make them aware of this particular issue.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Dates are approximate. 

When the news reports came out saying that Equifax had known that personal consumer information had been leaked from their system, I went to the website to try and understand how I could protect myself. The website was confusing. I started the process but was still confused, so I tried to call them. 

After being hung up multiple times, I gave up. The next day, approximately XX/XX/XXXX, I called them again. After two or three calls, I got through and spoke with someone. That person said I had to use the website. I asked to speak to a supervisor, and was put on hold and hung up on. I called back, and spoke to a representative who told me I had to use the website. I asked to speak to a supervisor, and was put on hold and spoke to a supervisor who said they were only an answering service and could not help me. They said I had to contact Equifax. 

On XX/XX/XXXX, I spent a great deal of time trying to call Equifax. I tried every number I could find. All I found was voice mails and automated systems. 

On XX/XX/XXXX, I went back to the Equifax system and discovered that my information had been leaked. I tried to contact Equifax by phone. After going through many menus, their automated system told me their automated system was unavailable, and they hung up on me.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Contacted Citi regarding current balance of {$1.00} on XX/XX/XXXX..The balance of the account was paid in full on XX/XX/XXXX. I have been a customer for 12 years. I am told this amount was per the terms of the agreement taken out when card was opened. There are no charges on the account at this time. The current charge of {$1.00} is due on XX/XX/XXXX.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

I was a new user with Venmo. I was conducting a XXXX XXXX XXXX XXXX XXXX and requesting funds from parents that had signed up their kids. After sending out several payment requests on XX/XX/2021, I received an email from Venmo stating that my account had been temporarily frozen. During that time I received a payment from a parent for {$150.00}. Venmo asked me for a drivers license picture on XX/XX/2021. On that same day I sent a photo ID to Venmo. On XX/XX/2021 Venmo said that although I provided this information, my account will be permanently closed and my funds would be temporarily held for 180 days. I called customer service on XX/XX/2021 and they told me there was no way they could help me with this issue and that I would need to email an account specialist to assist me. When I asked for a phone number or to be transferred to that department, they said they dont have a phone number and that they could only handle account issues via email. This issue has yet to be resolved. Venmo continues to withhold the funds from me and denied my request to refund the other Venmo user that sent me those funds.