davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
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. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX TransUnion is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX  is reporting no late payments and XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America credit card had a charge which was listed as an ACH refund, but which was actually a charge for XXXX transaction date XX/XX/XXXX posting date XX/XX/XXXX. 

I received a letter from BOA dated XX/XX/XXXX stating that the above amount was credited to my account- only the account number wasn't mine. 

I immediately called and reported this fraud to BOA and have made numerous follow up calls without resolution. I was told that since it wasn't a merchant dispute that I should pay the entire card bill for that month and that I would get a refund once the case was solved. I have received no follow up correspondences from BOA. I am constantly transferred from one department to another and no one has been able to resolve this. I went to my local BOA in XXXX and they couldn't help me.
Consumer complaint received 2018-06-04
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: Reliant Financial Corporation (OR)

about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, ReliantXXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
Consumer complaint received 2021-04-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE IS REFUSING TO RETURN MY SAVINGS! I received a letter from " XXXX, On behalf of Capital One '' asking I sign an affidavit. However, XXXX failed to include the necessary check numbers and dates of checks which he claims were sent to me, and I never received. I called XXXX XXXX XXXX ext. XXXX XXXX several times, and he is REFUSING to return my calls. When I spoke with an agent from the CAPITAL ONE back in XX/XX/2021, I was told they could not give me any information regarding the first check and the re-issued check. The agent added that a second check was never issued. CAPITAL ONE IS ASKING ME TO FILL OUT THEIR FALLS AFFIDAVIT CLAIMING I RECEIVED THE CHECKS AND LOST THEM. I HAVE NEVER RECEIVED THE CHECKS IN QUESTION! CAPITAL ONE IS WITHHOLDING MY SAVINGS TO THEIR BENEFIT AND NOT MINE! A Notary will not notarize an incomplete form XXXX blank check number and dates of checks XXXX. Since XXXX is refusing to speak with me, I completed my own affidavit. I had it notarized and sent on XX/XX/2021 via fax at XXXX XXXX receipt # XXXX from XXXX at a cost of {$6.00} XXXX. I AM IN MY XXXX 'S. I AM A XXXX GRANDMOTHER. I AM FEMALE. I HAVE MY HEALTH NEEDS TO TAKE CARE OF AND NEED MY MONEY BACK ASAP! I SUSPECT CAPITAL ONE IS DOING THE SAVE TO MANY! Why are banks being allowed to take advantage of people? I NO LONGER TRUST CAPITAL ONE ; THEREFORE, I HAVE WITHDRAWN MY MONEY FROM THEIR BRANCH! CFPB, you are part of the problem since you closed my original complaint before the issue was resolved. WHAT CAPITAL ONE IS DOING TO ME AND THE SUFFERING THEY ARE CAUSING ME SHOULD NOT HAPPEN TO ANYONE! On behalf of consumers and citizens I ask for everyone involved with the banking industry, their regulation and their laws to DO YOUR JOB JUSTLY IN ORDER THAT YOU XXXX NOT LOSE THE TRUST OF THE PEOPLE YOU SERVE!
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

I had XXXX until yesterday and made several purchases thursday to sunday which showed in my account and were deducted and account was positive in good standing balance XXXX. Monday i made some checks to some people on which funds were deposited to the other persons account on Tuesday. Today ( tueday ) I checked my business account and is showing an overdraft fee of {$720.00} i also had other deposits coming. The overdraft fees were comimg from transactions that were done on the weekend which at the time the account was POSITIVE and still is ( the account has not been on negative, or they were not showing it ) Today its showing an excessive fee and the way the bank put the transactions were as they were done after the  checks were paid so they could charge me an excessive amount of fees. Is not the first time they have done this to my account. Regions
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I scratched my XXXX. I saw a doctor at XXXX XXXX in XXXX ( XXXX FL ). I got a bill from the hospital and I paid it. Now an unknown entity is billing me without showing me a statement signed by me agreeing to have that entity provide services for me and that I agreed to pay that entity for their service. XXXX has no right to put this on my credit report without proof that I contracted with entity. I have proof that I paid the hospital. This is double billing and fraud.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

CHASE STOPPED MY REOCURRING RENT CHECK THEN HAD ME WITHDRAW AND BUY CASHIERS CHECK THEN RETURNED MY STOPPED CHECK TO PAYEE AND SHE ADDED NEW SIGNER AND GOT PAYMENT TWICE AND ON STOPPED CHECK. CHASE IS MESSED UP. SINCE I PAID TWICE AND CHASE CAUSED THIS-I WOULD LIKE PAYMENT FROM CHASE.
Consumer complaint received 2021-07-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

Once again I'm sending a complaint in for Experian Information Solutions about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by Experian Information Solutions to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by Experian Information Solutions. Please remove all XXXX XXXX account from consumer credit report information. According to FDPCA, Experian Information Solutions violated 15 U.S.C 1692 ( c ).
Consumer complaint received 2020-05-19
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)

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-04
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: EQUIFAX, INC. (TX)

I have had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX  has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (PA)

Grain has debited my account twice for the same payment of {$44.00} on XX/XX/XXXX and XX/XX/XXXX. They then report account late 30 days after they finally allowed access to my account. There are no ways to contact other than email. This company goes into your account and take what they want when they want
Consumer complaint received 2017-08-10
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: AMERICAN EXPRESS COMPANY (CO)

This is my third report towards AMEX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that AMEX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as AMEX refused to help during the time they held my money without authorization.
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

I tried to send money via Moneygram online. This is the second time I've had issues with them. I received email with reference number, but transaction doesn't show up on my account. The receiver can not get the money without more info, was told they need to talk to me. But no one has called me. I called Moneygram,  and listened to the same recording several times to make sure none of the options fit my request. Couldn't get through to a person. The online chat wasn't available. The online help had not option to cancel, because the transaction didn't show up. I just want to cancel the transaction now. Thank you.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

On Monday, XX/XX/XXXX I was called by Quicken Loans agent XXXX XXXX and offered a refinance of my mortgage to a lower interest rate. I was told that doing so would save me XXXX dollars per month. This was a lie. _______________________Later in the day I spoke with Quicken Loans agent XXXX XXXX , and was told that my current P+I payment was {$670.00}, and that my escrow payments were {$480.00}, and that by taking out a new loan those numbers would change to {$730.00} for P+I and {$340.00} for escrow. What was deliberately kept from me was that the escrow payment that I am currently making is artificially high due to a shortage from the previous year, and that my escrow will return to {$340.00} ( the same as the new loan ) after this shortage is made up. Thus, instead of saving {$80.00} per month I would actually be paying *more* per month over the life of the loan. _______________________Not only would I be paying *more* per month, I would also be paying *more* over the cost of the entire loan, and would have a *higher* buyout number. Not only would I be paying more, but the total payments would be due sooner! 
_______________ Total cost over life of my current loan : P+I of {$670.00} x 339 remaining months = {$220000.00} + {$1300.00} escrow shortage = {$230000.00} + escrow that is the same for both loans____ Total cost over life of loan pitched to me as saving money : P+I {$730.00} x 324 months = {$230000.00} + escrow that is the same for both loans*** ______ ***These numbers actually underestimate how much I would lose over the 28 years of the current loan vs the new 27 year one. The new loan would be paid off in 27 years, meaning property taxes and insurance would have to be added for year 28 in order to come up with a true estimate of what I would be paying under each scenario. __________________ Cost to buy out loan : Current loan roughly $ 134K, Loan pitched to me as saving money roughly $ 140K ________________ There is no point at any of the 27 years of the new loan where I come ahead financially. I would be losing at least {$6000.00} over the entirety of the new loan, and losing nearly {$6000.00} if I buy it out. _______________ Given that this was pitched to me as a way to save money, and that the true cost comparison of my current loan to the new one was deliberately misleading, these agents have engaged in fraud.
Consumer complaint received 2020-08-12
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. (MS)

I received a call from a student loan company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$860.00} XXXX  XXXX {$260.00} XXXX XXXX {$5500.00} XXXX {$210.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$50.00}
Consumer complaint received 2020-01-21
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. (CA)

EQUIFAX HAS BEEN REPORTING ACCOUNTS THAT ARE FRAUDULENT AND NOT MINE. I HAVE REQUESTED NUMEROUS TIMES FOR THE FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.
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: ID Analytics, Inc. (OH)

I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. 
I would like to request a security freeze placed on my report and request a PIN Code. 
I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

When the Public Service Loan Forgiveness program was rolled out, I was working at the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. In approximately XXXX of 2007 I contacted XXXX XXXX to determine what I needed to do to take advantage of this program. I was told there was to continue to make my regular payments and then I could apply for loan forgiveness after ten years in public service. Thereafter a large part of my consideration for remaining in public service rather than leaving for a private law firm was that approximately {$60000.00} of my student loans would be forgiven after ten years. I contacted Navient last year and I am now told that I am not eligible for the PSLF because Navient is servicing my loans. I 'm told I must now consolidate my loans with another company at a much higher interest rate and start my 10 years of service over to be eligible. I have dedicated my life career to public service and I am now being told my time in public service thus far does not count because I was provided false information and my loans got transferred without my consent. If the PSLF is in place to assist and/or reward those of us who have dedicated our careers to public service, we should not be penalized despite our service because of the negligence of these loan servicing companies.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (FL)

I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you
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: Innovis (OH)

I have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. 
I would like to request a security freeze placed on my report and request a PIN Code. 
I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Credit Report Act, you are required to comply.