davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KS)

On XX/XX/2021, I sent Equifax a detailed letter via XXXX Certified Mail with tracking requesting my credit report. They have not responded despite proof of receipt and sufficient time to process the request. I have attempted to call them multiple times and they will not transfer me to a live representative ; only loop through several prompts and then disconnect the call. 

I have submitted a complaint with Equifax on XX/XX/2021 and their response indicated that someone else 's information is on my credit report and therefore will not respond. 

I am a documented victim of XXXX XXXX  and Equifax 's refusal to send me my credit report and their response is further proof that my credit report is in jeopardy of additional XXXX XXXX and XXXX. 

Proof of my XXXX has been attached, including XXXX XXXX, XXXX XXXX XXXX, and a recent XXXX.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian will not allow Dispute of Incorrect Payment History for XXXX XXXX XXXX XXXX.This Debt was discharged in Chapter XXXX XX/XX/XXXX and is reporting as a Charge Off XX/XX/XXXX.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (OH)

Summary : Ally Bank, due to negligence or fraud, sent money from my checking account in a cashier 's check to an unidentified address in XXXX, GA  and refuses to return my money : {$44000.00}. 

Details : On XX/XX/2021, I requested an Ally bank check be sent to me payable to " XXXX XXXX '' for {$44000.00} with funds withdrawn from my Ally Bank checking account to purchase a car. This check was requested to my home address on file with Ally Bank : 2 XXXX XXXX XXXX XXXX, OH XXXX. I paid an additional fee to expedite this check to arrive in time for me to purchase a vehicle at XXXX XXXX in XXXX XXXX NJ, on XXXX  XX/XX/2021 for vehicle VIN : XXXX. I am taking XXXX Flight XXXX Fri XX/XX/2021 from XXXX to XXXX  for this purchase. For an unknown reason, fraud or negligence, Ally Bank sent the check via XXXX to an address in XXXX, GA-XXXX  tracking XXXX. I have never lived in Georgia, the payee is not in Georgia, I never provided a Georgia address to Ally Bank. I do not know the exact address the check was sent to as Ally Bank will not release this information. Ally Bank will not return this money to me nor release information about who in XXXX, GA may have possession of this check. Ally Bank Case XXXX.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HW Holding, Inc (CA)

A collection company named XXXX XXXX, called my place of work to attempt to collect previous balance owe on rental move out. I have disputed the amount of {$170.00} with property manager as that should have covered it from the security deposit. There were fees added that did not add up and now sent me to collection. This is highway robbery and not right.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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. (FL)

In accordance with the Fair Credit Reporting Act the below listed Accounts are violating my rights XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX 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
Consumer complaint received 2021-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NY)

have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

Santander consumer is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (PA)

On XX/XX/21 I was at XXXX XXXX in NY. I tried to use my Netspend card at the ATM. It declined my card and would not dispense any money. On XX/XX/XXXX I called Netspend and they said that my account was frozen because there was suspected fraud activity. I told them that the company that directly deposited my money had called them to verify if the account was still active. I asked why hadn't they contacted me before the denied access. I was told it was their policy to freeze an account if they suspected fraud. So I told them to close the account and send the check to my address. To this day I haven't received my money and I keep getting the runaround about my check. They're saying they sent it to my old address. I have informed delivery so I know that the check was never sent. It's been months and now they're telling me I had to wait 48 hrs to see where the check is at. I called back on 2 days later and then was told I have to wait 10 days for them to do an investigation. This is ridiculous and I want my money back. This company has been nothing but a nightmare since I've had it.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2021-05-05
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. (MA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2019-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NV)

On XX/XX/XXXX I received notification from Medical Revenue Service that I owed {$1400.00} for services incurred on XX/XX/XXXX. I notified my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of this issue. They have stated that I am not responsible for the debt as can be seen on the enclosed document. The debt is a Contractual Write-off between XXXX XXXX and XXXX XXXX. As stated on the document this amount can not be billed to the patient ( myself ). Yet the Collection service continues to harass and threaten me with placing the item on my credit reports which they have. The document from my provider clearly states that I am not responsible but I remain threatened.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A XXXX payment was submitted to incorrect number ( XXXX digit off ). 
We tried to contact the person who belongs to that telephone number, but they would not talk to us. 
The transaction amount was {$900.00} on XX/XX/2022. 
We contacted the Bank of America to dispute twice. Both times they did not reverse the amount.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Contacted Bank of America in XXXX to advise we are being billed " Account Analysis '' fees for " Full Analysis '' checking accounts with XXXX. After advising Bank Of America that we have not used XXXX  for over a year and that our business accounts should be setup as business advantage instead of Full Analysis, I was told they would resolve this by changing accounts to business advantage and credit back the fees. 

We have 5 checking accounts with them. I advised we don't need that many accounts and I would be glad to consolidate some of them but was told it would not matter as they are all part of same relationship. 

I have had several email and phone exchanges asking for status updates. I have called their general customer service number and was told the fees would be refunded. Its been more than 7 months without this being resolved. 

I also learned that a PPP loan did not qualify as a credit or lending relationship and that I would have to open an additional line of credit / credit card if I wanted to have wire transfer fees waived which I applied for after learning of this. 

XX/XX/XXXX - Emailed my account management team about excessive fees totaling approximately {$500.00} and that we are not using the XXXX service and need it cancelled. 

XXXX - XX/XX/XXXX - I called their general customer service line and was told they were escalating the case and putting a request in for fees including XXXX. 

XX/XX/XXXX - They emailed me back stating the refunds are still pending. 

XX/XX/XXXX - They again emailed me stating the refunds were still pending. 

XX/XX/XXXX - I replied to the email that they are still charging me the fees and I had noticed new fee charges. 

XX/XX/XXXX - They credited back the fees charged on XX/XX/XXXX but none of the fees before that. 

XX/XX/XXXX - I emailed my account managers stating the credits were not processed. I have not received any response or follow-up. 

I am attaching one of the email chain threads to this complaint. 

Total fees were {$2900.00} for several months. 

The amount Bank Of America has yet to credit is {$2200.00}. They should have the case details as I had opened at least 2 cases about this, one with my account management team and then one with their general support team.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo partners with XXXX which Ive place a deposit in the amount of {$500.00} before I picked up, through them for a puppy i was planned to purchase. I discovered within less than 8 hours it was fraudulent and a scam. Called the bank immediately, they refused to reverse the payment/deposit I had made. Ive already contacted my local PD and FBI. MADE complains against Wells Fargo and XXXX to XXXX. Im determined to get my hard work money back, even if i have to proceed legally.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NJ)

Good Afternoon, I have submitted a payment for my mortgage payment due for XX/XX/2022 on XX/XX/2022 in the total amount of {XXXX}. 

Auto pay had been set up to draft the mortgage payment on the XXXX of every month for the total amount due. 

I tired to turn off auto pay on the online portal but it did not allow me to. I then proceeded to call Planet Home Lending to turn off the auto pay on their end. 

All 3 representatives informed me I could not turn off auto pay as I have missed the cut off date. 

When I signed up for auto pay I was never informed of a cut off date to turn off auto pay. I also have never experienced a company telling me I can not turn off auto pay because I missed a cut off date. 

I also asked the representative about the disclosures for the auto pay and he could not give me any information about them. 

As I was not aware of the cut off date I am unable to put a stop payment on it with my bank because they need 3 business days. Now my account will be over drafted because I was told I can not stop auto pay. 

From my understanding I have the right by federal law to revoke authorization for auto pay and for some reason this company does not allow me to until the payment on the first is drafted, despite the fact I have already submitted payment toward the amount due XX/XX/2022 in the amount of {XXXX}. 

Please advise how I can proceed from here. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and Equifax ) on/around XX/XX/2020 and a second written request was sent via certified mail on XXXX XXXX, 2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One XXXXr credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than XXXX % of those who hold the Capital One XXXX credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One XXXX credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One XXXX credit card it was on a larger than normal purchase of a few XXXX dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful Consultant with 3 Master Degrees and several National Awards. The whole point of getting this card was to be able to have access to a higher credit limit. 

CAPITAL ONE RESPONDED TO MY RECENT CFPB COMPLAINT STATING TO GO ONLINE AND SUBMIT A CREDIT LIMIT INCREASE EVENTHOUGH KNOWING THEIR GUIDELINES FOR A CREDIT INCREASE IS TO WAIT AT LEAST 6 MONTHS TO A YEAR. CAPITAL ONE IS WELL AWARE I HAVE YET TO REACH THAT MARK! THEY ARE IGNORING THE CORE ISSUE OF MY COMPLAINT!
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS - Account Resolutions of XXXX XXXX XXXX XXXX, FL XXXX has refused to VALIDATE a debt that they ALLEGE that I owe. I also believe that they are in violation of HIPPA as they are alleging a medical debt and I have never hearf of these people prior to this and have not been provided with proper documentation as required by law. I have also never signed a HIPPA release with this company. They continue to report this debt without any account level documentation, and I have sent requests 3 times. They are illegally reporting information about me.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I had an account with XXXX/XXXX. My account was sold to XXXX XXXX XXXX in XX/XX/XXXX. But on my XXXX   report it shows that I made two payments directly to XXXX XXXX XXXX and in XXXX of XXXX. Then shows I owe late payments to XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Its not possible for me to owe them late payments if they already sold the debt to a debt collection agency ( XXXX XXXX XXXX ) in XXXX. It is illegal for a company to accept payment from a consumer if they already sold the debt to a debt collection company. My consumer rights was also violated again. ( But my XXXX  account shows that XXXX reported payments made from XXXX. Then reported late payments XXXX. Then more payments being made from XXXX. These are all reported after the account was sold to XXXX XXXX in XXXX, which goes against my consumer rights. ) Also, the account wasnt reported charged off until XX/XX/XXXX. I mailed a letter to all three credit bureaus and XXXX/XXXX   but all they did was make a dispute comment and dropped my score even more. I feel helpless and powerless because every time I reach out they update the data and hurt my score. All the credit bureaus do is verify that it is mine, but they arent protecting my consumer rights and looking deeply into the matter