davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter via certified mail delivered on XX/XX/21 to NCA regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Experian to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. I got a letter sent XX/XX/21 stating that the dispute was pending, and on XX/XX/21 it was verified as accurate. It has now been well over 120 days since I initiated contact with NCA, and over 100 days since I initially contacted Experian. I do not believe that an investigation was done at all.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

XXXX County Tax Lien showing on my Experian Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX County yet Experian continues to report this incorrect information.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (TX)

Credit Karma is displaying invalid scores and this effecting personal credit applications. I contacted them and they have not answered another than run around of confusion. XXXX shows score XXXX and Credit Karma is displaying XXXX. Attached is copy of both and Credit Karma is violating my personal information with false accuracy. Since building website showing facts of inaccuracies of credit reporting agencies ( XXXX ) they are showing inaccurate information and this has been fight for three months.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (FL)

This. company National Credit Systems appears on my credit report for {$390.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (MD)

In my most recent complain response ( XXXX ) there have been a lot of changes made, but none addressed or solved my main complaint, unless removing the XXXX XXXX account was done to solve the impossibilities that have been to get the multitude of errors on it corrected. But if it was removed as what should be done when errors not corrected. I would just like to mention, that removal of the account has happened in the past, but it soon gets added back to the reporting in its same corrupt state. Another change was the XXXX XXXX reporting. It is now reporting under dispute. Not sure how that happened, because there was not a dispute opened anywhere. Plus and a bigger problem, why was it changed where it shows missed payment history and that there was actions beyond the XX/XX/2021 closing date. Why does Equifax continue to allow mortgage operations access to consumer credit reporting. Deleting the account can be acceptable, but we know now that its not going to be permanent. And unlike in the past, now they are modifying the closed XXXX reporting to show recent and negative changes. 

Also on a newer car reporting by XXXX XXXX. It has been modified where it is not showing the payment history, which is also on another open complaint. How do you just remove the payment history.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

After significant renovations to our home, we contacted Truist to remove the PMI in XX/XX/XXXX. After 7 months of back and forth with them, they approved this ( attached ) on XX/XX/XXXX. However, they are still charging us PMI, and have doubled the PMI premium going forward on the latest statement ( attached ). After phoning and getting no solid response nor timeframe to get this resolved ( and being cut-off again ), we are now trying to get this resolved by contacting the CFPB- as we are not willing to wait another year before they eventually agree / answer.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have contacted XXXX XXXX XXXX multiple times thru certified mail in seeking a validation not verification of a debt supposedly owned by me on XX/XX/20, XX/XX/20, and XX/XX/20. I have received no validation that the debt they are trying to collect on belongs to me. They are still continually illegally reporting on my credit report since they have failed for 7 months to validate this date. I will be taking them to small claims court if their illegal reporting continues and for defamation as they are continually trying to ruin my credit. Attached are all the letters i have sent to this company and received no validation or response in return. I have the certified letter receipts that I will be bringing with me if i sue this company if we can not get this fixed by this complaint.
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Walwick, Inc (WA)

Merchants Credit continues to report  XXXX  paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor (  XXXX   XXXX   XXXX  ) that these accounts are paid and resolved.   XXXX   and  XXXX  even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-16
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: SQUARETWO FINANCIAL CORPORATION (IL)

I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After canceling my service With XXXX attempted to pad my bill with false charges. Bill went from $XXXX to almost $XXXX. I was told at XXXX I had to pay an early termination fee but I reminded them that I was not under contract for over XXXX years or more. After months they finally corrected my bill and I paid them in XX/XX/2011. They call themselves making a settlement after high jacking my bill for much more than it was suppose to be. Never could explain what the extra charges was for. Never sent a paper bill at all only a letter stating what they would settle for in a full payment, which was still more than my last bill should be.
Consumer complaint received 2018-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank- Failed to give notice related to provisional credit that had already been reverse twice before. The bank conducted a reverse on the same day as the provisional credit of {$300.00}. dollars was given in XXXX of 2017. In an effort to deceive the customer, capital one engage in another illegal reverse without notifying the customer also, when log-in account the record failed to show up dated information. Customer had fund of {$82.00} in account an made transactions unaware that Capital One conducted another revision of credit because, notification was not given until today by phone. Capital One agent at ph # XXXX ( female ) refused to provide info by mail and made " unethical-XXXX   comments '' by stating " You should Civil Rights and WHY HE WAS TREATING ME LIKE A XXXX UNEDUCATED " XXXX '' AND MAKING CORRECTIONS TO MY WORDS? This man stated he was the MANAGER of Deposit but why was he so UNPROFESSIONAL AND VIOLATED ALL MY HUMAN RIGHTS Along with Capital One. Capital one also charged me over draft fees which, would not have been applied if the reversal of the provisional credit was not on my account without any notice Capital One did this and also, never provide dates to which the provisional revision was going to be applied to my account. Capital one also have another account which they have stole over {$600.00} from me for someone else social security payment that was revised but, it was charged to me because the person passed away nor, was notice given before they took my money on money market saving account. WHY ARE THEY DOING ILLEGAL ACTS TO GET MONEY FROM CUSTOMERS? I Plan to take legal action if this is not corrected and the way I was treated by XXXX made no sense. I should not be judged on the XXXX of my RACE OR BACKGROUND>> I am very disappointed in CAPITAL ONE. I had been a CUSTOMER FOR OVER 8 YEARS TO BE TREATED LIKE TRASH AND VIOLATING MY RIGHTS IS NOT PROFESSIONAL ...
Consumer complaint received 2022-02-07
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: TRUIST FINANCIAL CORPORATION (FL)

SunTrust will not credit my business checking account for a charge for serviced never received. I sent 3 letters and you can not talk to a person. Hold times are over 2 hours. 

Debit Charge dispute with XXXX Card Number XXXX Amount : {$140.00} Date : XXXX A letter was previously sent before to SunTrust with all the information listed below. It is very simple. XXXX has charged me for a car rental that I never got. I arrived on time for the pick up the car. XXXX should refund us {$140.00}. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. No phone number is listed Sequence of events Car was booked thru XXXX. on XXXX Confirmation number XXXX Car pick-up date : Location : XXXX XXXX XXXXXXXX XXXX XXXX Date and time : XXXX at XXXX XXXX I arrived at XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. I was told me that a car was not available and was given a phone number to call. I call the number and was put on hold for over an hour. After traveling for 7 hours, the last thing I wanted was to sit on hold. 

I took a taxi to my Motel. I called XXXX the next day and the same thing happened. I was put on hold for over an hour and then someone hung up. I finally gave up. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. 

I then contacted SunTrust to dispute the claim and the wait time was 3 hours. I then went to the local SunTrust branch and had a personal banker contact SunTrust. About three hours later he called me and told me he finally got thru and filed the claim. I got a letter about two weeks later from SunTrust asking for more detail. I mailed the letter. 

On XX/XX/XXXX, I receive a letter asking for more detail about the dispute. This is extremely poor customer service. This is a business account and this issues should have been resolve long ago. 

Kind Regards, XXXX XXXX
Consumer complaint received 2018-03-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

Ditech transferred my mortgage to XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX. I did not receive the goodbye letter nor the hello letter, but they did transfer my payment that were set up on bill pay, per RESPA, for the first 60 days. However,XX/XX/XXXX, I called Ditech to get my 1098 information, which was the first time I was made aware my loan was transferred. I then began contact Ditech to track down my payment, and request for it to be sent to XXXX. To date, I have contacted DitechXX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, and today, XX/XX/, sometimes more than once a day. Each time I was promised this would be escalated to a supervisor for a call back to me within 24 hours. I have NEVER received a call back, I receive conflicting information each time I have called, from being told it will be received by XXXX no later than XX/XX/ ( still hasnt happened ), to they will will wire to my bank account and took my bank information ( which I was told on XX/XX/ they dont return directly to customers accounts, so now they have by routing and checking account number ), to it takes 30 days to get the funds to either XXXX  or me, depending on who you speak with. In the mean time, I had to borrow the money to make the XX/XX/ payment to XXXX so this would not negatively impact my credit. In the meantime, Ditech is holding me and my money hostage, and I am not receiving good customer service. They are just hoping I will go away, which I will once the payment is returned to me or XXXX. Every Call Center I have spoken with is pleasant, except the one that disconnected me when I said I would hold for a supervisor and not wait for the call back that would never come, but they do not seem to have the proper training, nor the procedures in place to know how to handle these types of calls.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. 

Thanks. 

XXXX XXXX
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

IC Systems claimed to have ownership of a debt collection from XXXX. When I expressed concerns to them about this, they refused to provide proof. I had just paid off my debt to XXXX via XXXX XXXX ( who provided proper verification ) and XXXX themselves confirmed XXXX was the proper collection agency in charge of collecting the debt. When IC Systems was again contacted in regards to validity of account, they implied I was paying money to a fraudulent company ( referencing XXXX ) and needed to still pay them the full amount of {$1800.00}. I have since received a letter of fulfillment from XXXX XXXX and have again confirmed with XXXX that this debt has been settled properly and in full. I would like IC Systems to remove this debt as I have asked multiple times and this is negatively affecting my credit.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARSH ASSOCIATES, INC. (OK)

XXXX XXXX continues to call me about a debt that is not mine. They are calling the wrong person. I have told them this multiple times, yet they continue to call. This has been going on for almost a year.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Experian falsely states that they investigated a dispute regarding XXXX public records. They stated that they contacted the Courts to validate and verify the info. They lied. I provided a letter to them from XXXX XXXX, Clerk of Court with the United States Bankruptcy Court of XXXX District of Texas stating that they have not and have never spoken or corresponded with EXPERIAN at all .They then sent a letter stating that they verified with a third party, However they refuse to disclose who this third party is and when they verified it. They are blatantly in violation of the law.I want the name of the third party, who they spoke with and I want it deleted from my report.
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I was enrolled in an auto-pay program with Navient. The information made available to me was that the payment program could be cancelled by me at will. I cancelled the auto-pay on XXXX XXXX, XXXX, before the scheduled payment on XXXX XXXX, XXXX ( because I had closed the associated bank account. At the same time I made a one-time payment to cover the current bill ). Navient tried to withdraw the scheduled payment anyway, and has now charged me a fee of {$1.00} as a result of their error. I spoke to a supervisor named XXXX ( he refused to give a last name ) at XXXX XXXX PST on XXXX/XXXX/XXXX to correct this error, but he refused to take responsibility. Although my auto-pay program was said to be at will ( even in a document dated XXXX/XXXX/XXXX ), he said that Navient required 10 days notice to cancel the payment. I require my money back.
Consumer complaint received 2018-03-16
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: JPMORGAN CHASE & CO. (CO)

I am writing about claim id : XXXX. I had several claims that chase decided to group into one claim. Then they told me they did research and said the merchant provided the necessary documents to prove my claim was false. However, Chase did not provide any proof. I think instead of individually researching each claim this they were lazy and group them together. I think chase did not follow the law and incorrectly did not research these items. In doing so violated my consumer credit rights.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

Constant phone calls, multiple times per day. We do not know these people and have not charged anything with them. A credit card was applied for, but nothing was supposed to be charged ( paid at point of sale, not charged ). Been harassment ever since. One of the companies that try to get someone to to " sign up for discount '' we have never even received a card from them.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has sent be a Mortgage Modification for the third time. I have a modification on file in XXXX County, Florida as required that supersedes the one they have sent me. I call the lender and all I get is pushed around. This is the XXXX complaint I have filed on this issue. The modification they have sent would double my current payment and add {$75000.00}. to the balance of my mortgage
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NE)

On XX/XX/XXXX I made two payments to my credit card account with Citibank, one in the amount of {$4000.00}, followed a few minutes later by one in the amount of {$1000.00}. Upon looking at my account later the next day, while both payments had been taken from my bank account, only the payment for {$4000.00} was reflected. I waited another day, calling on XX/XX/XXXX. At that time I was told by a representative that sometimes they have a hold for up to 7 business days before a " floating '' payment as my second payment was referred to, is applied. It is now XX/XX/XXXX, I have called Citi and my payment is still not applied. According to, XXXX, who I have spoken to, they are not sure when said payment will go through. What recourse do I have to force them to acknowledge payment and reflect that in both my payment history and my fee schedule, or simply get my {$1000.00} back?