davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX and XXXX XXXX. 
Purchase a 2018 XXXX XXXX XXXX on XXXX. XXXX paid a partial payment and left a {$41.00} balance for 90+ days. They have ruined my report. The car has been broke since the purchase date. Not one of the 7 places that I have been can fix this car. Can't duplicate why the wheel wobbles in the rear. Deliberate sabotage. The finance company was well aware this car was broken from day 1. Not one car creditor has ever taken 90+ days to payoff a vehicle. I tried to trade this car in and all the finance companies ate asking me for XXXX in negative equity for a broke car. 
XXXX is my contact along with phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

CapitalOne 360 was contacted by the secondary account holder on XX/XX/2021 to dispute a BillPay transaction for {$200.00}. The merchant stated in email on XX/XX/2021 that they did not receive the BillPay check. Primary account holder then paid the merchant a second time using ACH to settle the account. CapitalOne 360 states that the check was posted on XX/XX/2021 and to contact the merchant. A proof of payment was received by CapitalOne 360 via email on XX/XX/2021. The proof of payment was sent to the merchant and the merchant stated they did not receive the check and that it was missing an endorsement they always use XXXX the proof of payment has no endorsement ). Primary account holder contacted CapitalOne 360 on XX/XX/2021 to open the dispute filed the previous week. During the conversation with representatives of CapitalOne 360, the representatives refused to offer solutions stating it was the merchants issue and to contact merchant. When primary account holder asked to escalate the claim, she was hung up on by the representative. She called back and spoke to a different representative who said that CapitalOne 360 would not refund the money as it is an issue with the merchant. After asking to speak to a manager and escalate the situation, the primary account holder was hung up on a second time. Attached documentation includes phone log showing attempts to settle with CapitalOne 360 and emails between the account holders with merchant and proof of payment.
Consumer complaint received 2018-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I submitted a previous CFPB compliant against one main financial offering a XXXX settlement and requesting for the Lawsuit against me to be dropped, however a I spoke with a representative from one main financial and she indicated that one main financial had 60 days to give a response and she would note it on the account.
Consumer complaint received 2021-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FIRST PORTFOLIO SERVICING INC (MI)

I was a student at the defunct XXXX XXXX and they recently lost a lawsuit for predatory loans. I was enrolled XX/XX/XXXX - XX/XX/XXXX. While I did complete the program, the loan amounts are so astronomical for a 2 year program. Due to the fact that they have been closed and sued, I would like to request forgiveness for the loans. I have filled out a form on the FAFSA site, and due to me not being active during the XX/XX/XXXX closure, it says that I did not meet the requirements. 

Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$47000.00} Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$24000.00} Total Current Balance : {$86000.00} Total Number of Loans : 2
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.
Consumer complaint received 2022-04-28
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. (TX)

I have sent multiple letters on XX/XX/2022 to creditors and TransUnion to validate and verify information on my credit report. 30 days past and I have not received a response from either creditors nor from TransUnion. I have then sent the second letter on XXXX to creditors and TransUnion warning them that they are in violation of FCRA by not responding to my dispute and verification request letters. When I log in to service.transUnion.com I see that TransUnion opened an investigation on XXXX and it is showing processing. ( I have attached a print of the page here ). As of today XXXX which is 32 days since they opened an investigation and they have not yet responded to me. That is clearly the second violation of the Fair Credit Reporting Act as the ACT states the Creditors and credit bureaus have 30 days to investigate and respond. I have attached here all the letters I have submitted to the creditors and to TransUnion on XXXX and the second warning letters for not replying on XXXX. 
Creditors : 1- XXXX XXXX / Acct # XXXX 2XXXX XXXX  / Acct # XXXX 3XXXX XXXX  / Acct # XXXX 4- XXXX  / Acct # XXXX 5XXXX XXXX / Acct # XXXX 6XXXX XXXX / Acct # XXXX 7XXXX XXXX / Acct # XXXX
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. (NY)

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 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Messerli & Kramer P.A. (MN)

XXXX XXXX XXXX I would also like to point out another FCRA that will be used against you if you choose not to comply with federal law failing to indicate that you had hired a private counsel to represent you and Failed to note that on my credit report XXXX XXXX XXXX. The FCRA is very very clear about that you must and I repeat must indicate that on the consumer report. Please remove immediately Counsel I have included you to this complaint as well could you offer your input and tell us what does the FCRA states about The original creditor placing an account with a 3rd party debt collector?? What should XXXX XXXX XXXX have noted on the report when they consult you? I tell you your name should have been in remarks saying you are handling the account. 
A does the original creditors need to do this also is this required by law?? 
B the 3rd party agency add the information to the original creditors tradeline? 
C it doesnt need to report on a consumer credit file Please answer to the best of your ability counsel thank you. 
XXXX I have every single credit report that I can provide to you that XXXX XXXX XXXX failed to follow the law!! Try me!
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

Sent a debt collection letter for a toll violation that was appealed due to XXXX XXXX. The debt collection company would not answer the phone and all mailboxes were full. I am willing to pay the {$6.00} toll but not the {$50.00} surcharge as I have XXXX XXXX and sent New York multiple appeals stating as such with my XXXX XXXX   account information. I have attached a copy of my XXXX XXXX tag that is in good standing with the state of New Jersey.
Consumer complaint received 2022-04-28
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)

My problem is with Experian Credit bureau. I have XXXX accounts they are reporting late payments on months after the payment has been reported on time. I have sent them several dispute letters along with my bank statements that prove my payments were indeed made on time. They simply open the dispute and then the next day send me an email stating the dispute is closed and the late payments are verified. In my letters I asked them to please send me the proof they are legally required to have, showing what they did to investigate and also the proof I was late. They have not. These inaccurate late payments are severely impacting my credit score.
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ability Recovery Services, LLC (TX)

The original date of the debt incurred was on XXXX XXXX of XXXX, for {$300.00}, where I was in a XXXX XXXX and hospitalized against my will. Because it was against my will, I told them the state was responsible for the debt. 

The debt has since been transferred from XXXX XXXX XXXX XXXX Texas XXXX, to XXXX XXXX XXXX XXXX, which then sold it to XXXX, and apparently XXXX sold it to Ability recovery services, which has falsely reported it on my credit, causing damages by interest rates/lack of transfer offers on my cards, lower than appropriate pre-approvals for loans for the house I'm trying to buy, and significant XX/XX/XXXXfrom this which I'm having to talk to my XXXX about, and expect them to pay for. 

I attempted to dispute the debt with XXXX, however, they will not remove it saying the creditor is providing appropriate information. That's clearly not true since it's showing on my credit report as a new debt from XXXX of XXXX.
Consumer complaint received 2018-03-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (VA)

On XX/XX/XXXX Lendmark Financial Services reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the XXXX  breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either Lendmark or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

Aside from them sitting on my application for months XXXX XXXX-end of XXXX XXXX, then using reason of borrower requested more funds when they told me due to length of closing, more points, higher rate and thousands in extra fees because of their inaction for months, so higher mortgage. I didnt request more funds-no cash out, just complacency on their part. A negative survey finally got their attention, and loan was approved and closed. My problem now-the legal description on the deed of trust isnt my home! Its a rental property that was lien free-I applied for a refinance on my home mortgage. They did pay that off-the only thing they did properly. Deed of trust shows my address, my parcel number, but totally wrong legal description. Different subdivision, different lot number-all wrong. Now no one will take it return my call from Amerisave. XXXX took my call, but. I ones called me. Please help me get them to correct this. Thank you.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (MN)

I disputed fraud charges on my account with Regions Bank XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$62.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX # XXXX XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX {$90.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX {$27.00} XX/XX/XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX   XXXX  XXXX {$26.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX XXXX # XXXX XXXX {$1400.00} I disputed some charges as well XX/XX/XXXX XXXXL XXXX {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$30.00} They did not investigate or contact the merchants rather they sent me a letter stating that the transactions passed their automated system fraud thing and therefore there would be no credit on my account
Consumer complaint received 2018-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

- XXXX/XXXX/23 at XXXX on XXXX saw an offer for concert tickets for XX/XX/XXXX from an account under the username XXXX XXXX posing to be real life person who is a mutual friend, XXXX XXXX XXXX 
XXXX/23 sent screen recording of our conversation and opened the confirmation email of their two tickets. 
XXXX23 XXXX XXXX  first Zelle payment of XXXX $ for tickets was sent on my end. 
-XXXX/23 XXXX the scammer sent a photo of the screen to transfer the tickets on XXXX to my correlating information for my account. Photoshopped a fee of {$100.00} to transfer. 
XXXX/23 XXXX XXXX my second transaction of XXXX $ via Zelle payment was sent. 
-- XXXX/XXXX/23 XXXX I asked for an ID to be sent when asked for another XXXX  payment as they claimed my payments would not be processed for 5-7 days, ID was most likely a fake. ID also did not correlate to the images on their XXXX. I messaged the real mutual friend on XXXX and told them they were being used to catfish.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

I am a XXXX XXXX XXXX and opened a Checking Account with Chase XXXX XXXX. My personal Checking Account is with XXXX XXXX. On approximately XX/XX/2020, I used the Chase Bank Online Banking System to apply to have my XXXX XXXX Checking Account approved for External Transfer. I was subsequently notified of the approval. On XX/XX/2020 I attempted to transfer funds in the amount of {$2500.00} from Chase Bank to XXXX XXXX on the Chase Bank Online Banking System. I received a message on the Online Banking System that they needed to verify my identity with a code. After several attempts to obtain the code online, I called Chase XXXX XXXX Customer Support. The customer service agent provided me with a code to verify my identity ; however there was no place on the Chase Online System to enter it. The customer service agent told me that she was able to verify my identity and I thought it was solved. I received email messages from Chase Bank that my transfer attempts were rejected. On Friday XX/XX/2020, I visited the Chase Branch on XXXX XXXX in XXXX, WA. I met with a Banker who confirmed for me that the transaction was blocked by the fraud detection department at Chase. He called customer service with me sitting in front of him and verified my identity multiple ways. I heard him tell the customer service representative what had happened and heard the banker instruct the customer service representative to initiate a real time transfer of funds in the amount of {$2500.00} to my XXXX XXXX Checking Account. At approximately XXXX on Friday XX/XX/2020 I checked both of my bank accounts and noticed that the funds had not been debited by Chase and had not been received by XXXX XXXX XXXX I called Chase Bank Customer Service at that time, explained what was happening, and he told me that my attempted transfer was blocked by fraud detection and transferred me to the fraud detection department. A representative from Chase Bank Fraud Detection Department again verified my identity and assured me that the funds would be in my account by Monday, XX/XX/2020. To be clear, that is 6 days following my initial attempt to transfer funds. 

As of XX/XX/2020 the funds have now been withdrawn from my Chase Account ; however not deposited in my XXXX XXXX Account. I called customer service and both times they advised that the transaction was blocked by fraud detection. When I asked to speak with a supervisor/manager on both occasions - the representative terminated the call. I called the Chase Bank Branch that I visited on XX/XX/2020 at approximately XXXX, requesting to speak with the branch manager. I was told he was not available and would call me. I haven't heard from him. I know that my XXXX is small and this is not a large transaction, nor does my XXXX  add much to the bank 's revenue. I am beyond frustrated at this point and would certainly appreciate any help.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

On XXXX I was scammed out of money. I called my bank to make a report on XXXX and was told that nothing could be done about it because they couldnt stop it or reverse it. I was also told that because it was through XXXX on my Wells Fargo app, that Wells Fargo is not responsible, even though they promote it, Wells Fargo stated that they contacted XXXX and XXXX told them that there was nothing that could be done. Even though a thorough investigation hasnt been conducted fraud has been reported and I have proof that I was scammed out of money.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )
Consumer complaint received 2018-03-03
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)

No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement