davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Last year the CFPB settled a class action law suit with the 3 CRA 's reporting inaccurate public records and for not verifying correctly a list of mandatory items before publishing them. The new law took affect around XX/XX/. At that time I wrote each CRA with certified return receipt mail to remove my paid liens from 7 years ago. XXXX  and XXXX   removed them immediately, however Transunion has not : Transunion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX I have disputed these 3 times electronically, once by fax and via phone on XX/XX/XXXX. 
(XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last week ) My credit is clean and I have worked hard to rebuild it, this information is the only negative mark on my report.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

This account was disputed with another collection agency and removed due to fraud I've never had and account with XXXX XXXX XXXX then Franklin collection agency purchases the debit and XXXX put the account back on my credit report I submitted another dispute XXXX looked it up and saw via their fraud department this account was disputed and successfully removed from my credit report from 2 previous debt agencies-companies keep purchasing this debt and putting on my credit report.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (TX)

Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/. The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to pay off the Lone Star Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX XXXX. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-01-18
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. (MD)

Experian continues to report a public record and responding to letters that the information was provided by XXXX, a 3rd party data furnisher. However, XXXX does not have record of this information in their file.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (IL)

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called LOAN CARE SERVICING CTR. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to LOAN CARE SERVICING CTR. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called LOAN CARE SERVICING CTR. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.
Consumer complaint received 2020-07-15
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)

Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OH)

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Bull City Financial in the amount of {$560.00}. This debt has not been validated by the original creditor or the 3 credit bureaus and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ID)

Freedom Mortgage keeps charging me late fees even though they are receiving my payment within the contractual grace period. I am not the only one. I was in line at the post office and asked why my payment took from the XXXX of XX/XX/2022 to arrive until after the XXXX of the month, when payments to states further away are received by mail in 3 day with another company. 
The post office advised me that this is not true. 
Freedom Mortgage has done this to me several times, AFTER I advided tham that I do not want to be on their calls and advertising lists for them and their affiliates. I think these charges are fraudulent, should be investigated and collected for a class action lawsuit!!!
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Love, Beal & Nixon, P.C. (NC)

In XX/XX/XXXX -XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from XXXX. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love bealXXXX and Nixon out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by XXXX business practices says it 's verified, but no evidence was ever or has ever been given. LOVE BEALXXXX AND NIXON CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (TX)

About 2 mos ago i closed a bank account with an overdraft of {$460.00} because it was compromised. The rep took all the info to file a claim to dispute the charges making it overdrawn. On XX/XX/2016 those {$460.00} were debited from my new account leaving me overdrawn, with about 15 pending transactions which will create a {$32.00} fee each for overdraft and no money for the next 2 weeks. I was never notified by any method of this situation until I checked my account online. I have contacted the bank, spent almost 2 hours being transfered from person to person, all saying they can not take accountability because the transaction was " not done through their department. '' The last person I spoke to informed me this was not done trhough the charge off dept ( of course because this was not a charge off ) and that they did not know who had done this transaction on my behalf.
Consumer complaint received 2023-04-06
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

On XX/XX/XXXX, I received a letter from Discover for my account being closed for any of these XXXX reasons per the companies letter. 
Your discover card account has been inactive for XXXX months or longer and/or account has been closed. 
I called customer service about XXXX weeks ago they were basing everything around XXXX. When the last purchase I did was in XX/XX/XXXX. About less than XXXX  months the account was closed due to inactivity. Today I reached out to their account review department, where they state that after XXXX months of inactivity they can close the accounts. Issue with this, hits my credit for no reason and I never received a warning my account would be closed due to inactivity. Tried talking to XXXX at the Account XXXX department to try to get my original credit line to just getting the same speech of the account being closed after XXXX months even though their letter to me stated XXXX months or longer. I tried applying to get a new credit card but the limit is only XXXX when I originally had {$8500.00}. I cant get an increase because of insufficient experience with current discover credit limit. This is based on the {$3000.00} credit card, not on my previous experience with them.
Consumer complaint received 2021-09-20
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)

Please help me as I have one unknown item in my credit report, I do not know this account and I am victim of identity theft and I do not want to have anything that is not mine in my credit report. I have never had any relationship with this company. 

This is that item : XXXX XXXX XXXX XXXX Please delete this item.
Consumer complaint received 2018-07-30
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: Experian Information Solutions Inc. (CA)

On XX/XX/2018 I sent a correspondence to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018, even though the recipient of it failed to sign for it, but according to the tracking it was received. The correspondence was in regards to an account ( XXXX XXXX XXXX   ) on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent on XX/XX/XXXX, to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX XXXX   where they admit that I was not responsible for another account after an investigation ; this current alleged account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have 4 business days to remove the account/item after the police report is received. It has been more than 4 business days since it was received on XX/XX/2018.
Consumer complaint received 2023-04-06
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. (OH)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

Summary : Rocket Mortgage promised they would be able to match a competitors quote for a mortgage loan, and over the course of several weeks transferred me between different brokers at the company without making good on their promise, to run out the clock before the Settlement/Closing Date so that I wouldn't switch lenders. At the last minute Rocket denied my request to match the competitors quote.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (OH)

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Receivables Performance Management in the amount of {$390.00}. This debt has not been validated by the creditor or the 3 credit bureau agencies and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (IL)

I called XXXX XXXX the middle of last month to close out my credit card. They closed my card and told me I had a final balance which was {$38.00}. They would not accept a credit or debit card payment over the telephone. They only wanted a check or checking information. Before I paid them, I called again to verify the amount, then I sent a check for the amount in the beginning of XX/XX/XXXX. I just recently got a bill that said I owed double the amount. I called the company today and they told me I paid the closeout late fee late, so they charged me another late fee with interest. I as to speak to a supervisor but the customer service agent refused to transfer me and he eventually hung-up the telephone on me.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XXXX XXXX noticed unauthorized charge on my company 's account so call the bank immediately and I shut my ATM card off and even at the time still on the phone with the bank the person with the fake card tried making another charge.at XXXX, XXXX XXXX, N.Y. 
the charge was at XXXX XXXX XXXX in XXXX XXXX, N.Y. for {$170.00} a New ATM Card was sent to me a Temporary charge was credited to the account on XXXX XXXX for {$170.00} on XXXX XXXX the claim was denied and bank took the money back so I called to found why, and only told that the claim was denied with no correspondence from the bank what so ever or a affidavit disclaimer was not sent to me at any time, not even after I requested a affidavit disclaimer be sent to me and still no correspondence. 
from the bank and no further information after reconsideration to reopen the claim. 
nor would get answers about the bank security being breached that was not reported to FTC.
Consumer complaint received 2022-01-18
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: U.S. BANCORP (CA)

Bought multiple prepaid credit card for the XXXX gift last year. 
Employess came back with the reponds of " no balance is loaded on the credit card '' Logged to check and found out there were multiple unauthorized chagres on few cards we bought. Reached out to the fraud department and can't get hold of anyone.