davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am submitting this complaint to request an investigation into the inaccuracies pertaining to the mentioned account. The information reported is incorrect and is adversely impacting my credit score due to its negative nature. As per the Fair Credit Reporting Act, I kindly request that you commence an investigation into this account within the stipulated 30-day period. It is imperative that all adverse information pertaining to this account be rectified promptly. Specifically, the account requiring investigation is as follows : XXXX XXXX XXXX XXXX, with a balance owed of {$520000.00}. This account has been inaccurately reported in my credit file. I respectfully request the removal of any late remarks associated with this account, as I have never made late payments. I urge you to thoroughly review the provided information. Your prompt attention to this matter would be greatly appreciated. Furthermore, I request that any information unable to be verified with 100 % accuracy be updated accordingly. I eagerly anticipate the timely correction of my credit information to accurately reflect the necessary changes.
Consumer complaint received 2022-10-12
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. (FL)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2021-12-08
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 — Investigation took more than 30 days
Company: CORELOGIC INC (NC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-02-26
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. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I received my credit report from Equifax and I disputed my personal information. Therare inaccuracies with my personal name and address. I also submitted copies of my driver 's license, social security card and utility bill as proof of residence. 
My legal name is XXXX XXXX XXXX and Equifax is reporting my name inaccurate as XXXX XXXX XXXX as a former name and my middle name doesn't change no matter my status. 
I also believe the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX Belong to someone with a similar name but are inaccurate on my credit report. My address for years have been XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX
Consumer complaint received 2021-07-19
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. (MO)

The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. Credit Factor Account 4. Credit Factor Account
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (MI)

I purchased two pair of boots from XXXX in XX/XX/2021 using my military star card. The boots were defective and I was instructed to return them. I did and I was ensured that the transaction would be reversed and as of XX/XX/2021 it has not been.
Consumer complaint received 2021-05-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (TX)

XX/XX/XXXX my husband and i applied for a house loan through American Financial located in XXXX. At the time the rates were fair and our credit was decent. I advised them that we would be working on our credit so that we can get a better rate when it was time to close. We worked on credit and end having a high XXXX 's for both my husband and I but still ended up receiving a 5.125 interest rate, when at the time they were 4.22 closing XX/XX/XXXX. The company never offered to buy the rated down or pull the credit to see the improvement to offer a better rate. Also the initial closing doc was a different amount and I thought when we closed the amount couldn't be higher well the note went up an additional XXXX which was not acceptable. When I brought this to the lender XXXX XXXXXXXX XXXX attention and the processor it was like I didn't know what I was talking about and they told me they underestimated different amounts. For two years we paid our mortgage with a 5.125 interest rate. I attempted on several occasion to get home refinanced and was given the run around with XXXX XXXX. I feel as though we were scammed by American Financial. The loan was sold to XXXX XXXX in XXXX. 

The document provided was the first closing doc and out not was not XXXX, it increased to XXXX, there was never a mentioning of a rated lock especially not at that high rate. 

I also have emails and credit reports that I can provide but didn't want to attach because it has private information on the documents.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I have banked with PNC for 2 years now, I don't really dispute anything unless I have too. Despite me being with PNC which I could have easily chose to do business with another bank but today is the last straw. I have maybe disputed 6 charges total out of my entire time with this bank and closed out 2 and it has been a terrible experience. I'm guessing the only time you are entitled to your money back if 1. unauthorized charges. or 2. didn't receive your merchandise and that's sad. clearly unsatisfied quality of merchandise don't count as a reason to dispute anything this bank has changed so much i should've closed my account a year ago when my account wasn't even secure when someone hacked into my bank account and stole my money and it took them 3 weeks to give me my money back after filing a complaint. and i'm just tired of it i will be no longer doing business with this bank. last but not least, they're customer service team have you waiting hours before someone answers the phone, and even hang up on you like a representative did me today on XX/XX/2021 from an PNC EXECUTIVE OFFICE and refused to answer the phone when i vented my frustration what is the point of banking with a bank that doesn't have your very best interest. it's ridiculous she hung up. I will also let everyone know about this bank so they can choose another bank..
Consumer complaint received 2020-09-09
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: World Omni Financial Corp. (FL)

I am back to date with accuracy on my payments, I have always been a good payer and was told, as soon as I am back in track with payments to be accurate and my lates would come off from my credit report. 

I called to get all the help needed and XXXX had agree not to put any lates on my credit and they still report me late. 

The reason why I was late had to do with my job not been able to work was laid off for a few months.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2022-04-28
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: AmeriCollect (IL)

Americollect is incorrectly reporting a medical debt they assumed and first reported XX/XX/XXXX as a new debt opened XX/XX/XXXX. The original debt was from a XXXX XXXXXX/XX/XXXX and they purchased the debt and reported it starting XX/XX/XXXX and it is now listed as a new debt opened XX/XX/XXXX. This caused significant damage to my credit ( a XXXX point drop in score ).
Consumer complaint received 2021-05-30
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: Rozlin Financial Group, Inc. (SC)

On XX/XX/2021 Rozlin Financial added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am not responsible for this account.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send me a bill and say its mine. According to FCRA, Rozlin Financial has violated my rights as a consumer and Im requesting legal action to from this account from all credit agencies immediately.
Consumer complaint received 2021-05-30
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. (NY)

I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2020-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of mh Disputes Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from mh Credit report it has been over 60 days so they should be deleted promptlyle I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (WA)

XXXX XXXX ( me ) had an account with Collection Bureau of America, XXXX  XXXX.

I paid the ENTIRE principle down two years ago, and they assured me that they would stop reporting.

I get my credit reports two days ago and see they have been reporting a {$10.00} " late fee '' as unpaid principle. Let me repeat : I paid them the ENTIRE amount they requested. 

I have tried to work this out with them but their only solution, which is basically a Pay to Delete scheme, is that I pay the {$10.00} " late fee, '' and a {$7.00} credit processing fee.

Neither of these fees existed when I paid the original principle which, to be honest, was difficult because it was over {$450.00}. I paid that at one time, there is no reason I would have left a {$10.00} remainder and it has been DESTROYING my credit. 

When I call, they hang up when I tell them they need to legally remove it. They are scamming me into paying a fee they made up. They told the principle debtor I XXXX XXXX XXXX  in XXXX  ( since I did ). This is illegal, immoral, and honestly it's gross.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

I have a problem with PNC everytime i make a huge purchase that's around XXXX dollars on electronic goods PNC always blocks my card and everytime i call it gets very annoying that i have to approve the purchase to make it go though even though I HAVE THE CARD IN MY POSSESSION
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (DC)

My account had fraud and I filed a police report. In total, PNC has charged {$510.00} claim with XXXX. Yesterday, this 1 derogatory credit file prevented me from opening a credit union account. Please advise.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Issue : I made a money transfer to Coinbase , Inc. from my bank account, but it was never credited in my account. 

On XX/XX/XXXX, I made a SEPA payment from XXXX XXXX XXXX XXXX XXXX XXXX to the address/account specified by Coinbase : Recipient 's XXXX : XXXX Recipient Name : XXXX XXXX, XXXX. 
Bank Country : XXXX XXXX Name : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX : XXXX However, this money has not been credited to my Coinbase account. 

I first contacted their customer support ( XXXX ) on XX/XX/XXXX. I received a generic response and emailed back on XX/XX/XXXX. On XX/XX/XXXX I received a slightly less generic response with suggested one action, which I undertook but it did not result in resolution. 

I have since emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX I received another email from Coinbase support, but it was clear that this was a generic message and they are not taking any action to find my missing money.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.
Consumer complaint received 2021-07-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

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

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

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

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

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

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

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

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

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

Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

We received a letter from Dovenmuehle Mortgage on XXXX XXXX, XXXX regarding our prior home mortgage servicer, XXXX XXXX XXXX XXXX XXXX XXXX The letter stated that we had unclaimed property of {$1400.00} for a mortgage that we had closed out ( when we refinanced with XXXX  XXXX XXXX ). 

We were told to sign the paperwork and send it back to Dovenhuehle, which we did immediately. We never heard back so we recent a fax with all the information that has a time stamp that it was received on XX/XX/XXXX. We still have not received our refund. 

We contacted Dovenmuehle by phone on XX/XX/XXXX, spoke to XXXX who said that the check had been cut that we'd receive it latest by Friday XX/XX/XXXX. We still have not received the check so we called again today, XX/XX/XXXX, spoke to the manager XXXX who stated that the information that XXXX gave us was wrong and that the check has still not been cut. She wouldn't connect me to accounting. Best should could tell me was another XXXX days but that I have no other recourse. I'll just have to try to follow up again. 

This feels like a shady mortgage company. 

Please help. 
Thank you.
Consumer complaint received 2021-05-30
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. (CA)

I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.
Consumer complaint received 2021-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland credit, they never contacted me! Old credit card that I forgot about from 20. I I paid iXXXX when I retired. No letter from midland credit to collect. They just went straight to XXXX XXXX magistrate court and filed. I found out in XXXX. Magistrate court left a hung note on my house door. I went in person and found out when I told them there was a note hung on my door. Midland credit never sent a letter to me about this just filed at XXXX XXXX magistrate court in ga
Consumer complaint received 2021-02-11
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: CCS Financial Services, Inc. (OH)

On XX/XX/2020 CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.