davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-11
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. (NC)

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/22 I went online to see that my credit score for Transunion score dropped XXXX and my XXXX dropped XXXX for no explained reason, I spoke with a rep name XXXX from XXXX and she stated it would be 7-10 business days but she was able to submit an escalation because she didn't understand why a hard inquiry would drop my credit score that many points so then i proceed to speak with to chat reps from Transunion I spoke with XXXX first then XXXX so i was provided with the customer service number and I spoke with XXXX who if you play the call back who kept telling me Basically I need to improve my credit habits and its nothing they could because a hard inquiry should NOT drop a credit score XXXX its between XXXX so I asked for complaint information and he stated I would need to go to CFPB.COM. Now here I am typing this email because Transunion doesn't even have explanations of why but are telling how I have derogatory marks which is only XXXX on my credit and that's why my credit score decreased which doesn't make sense still because they are not new to my account. If someone could reach out to me by email XXXX or by phone XXXX
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

XX/XX/XXXX I filled out a 3 hour application with PNC Bank for help with a few Mortgage payments. 
I received a letter a week later then got a call this morning XX/XX/XXXX XXXX. 
I heard that most mortgage company 's were basically allowing you to push back your payments for 3 months while not earning money due to Covid19. 
The PNC rep told me that there was no help for XXXX and XXXX but a forbearance would start in XXXX XXXX and XXXX. I asked about XXXX and XXXX since I needed help now and was told those payments are due. She also explained that those missed payments had to be made up they had to be paid back but not all at once. 
I have not received any money from any agency as of XX/XX/XXXX I cant pay the mortgage right now. 
My Mortgage is currently past due for XXXX in the amount of {$2500.00}.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Okay so i had a guy send me a XXXX check for just talking to him, he seemed like a nice guy, he then sent the check and proceeded to tell me to send it to some charity But it was to phone numbers that he sent me, I then realized that it was some sort of scam so i tried to get rid of the money by sending it back, but now i owe my bank XXXX $ and i dont know what to do, i called my bank and they said i got scammed but i owe the bank all this money?? I really need help!!!
Consumer complaint received 2018-07-17
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: Santander Consumer USA Holdings Inc. (MI)

I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX XXXX XXXX   SANTANDER CONSUMER USA Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX  
Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have been diligently working on my credit since XXXX of 2019. I have been in a hardship since the COVID -19 and have contacted all 3 bureaus in reference to the erroneous and inaccurate information on the accounts that were damaging my credit. I was also enrolled with XXXX XXXX and they have charged me {$130.00} for the past 3 years and my credit score just kept going down hill. I have spoken to XXXX over at Equifax customer Service dispute team in reference to the erroneous information and derogatory information that was reported. I am in a very distressed period of my life during this new season of the COVID-19. My business has dropped and my bills are piling up but I have been paying and trying to keep my credibility in good standards. The 3 bureaus have been a thorn in my foot since they are charging for credit reports and they are violating all of my rights as a consumer. I would like an investigation on my credit reports. Equifax, XXXX  and XXXX. I am very stressed in reference to my reports. I take my credit very serious.
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NC)

In XXXX of XXXX I applied and was approved for a borrow & grow loan through SeedFi. I signed a contract with SeedFi, to pay SeedFi. I agreed to payments to SeedFi. Now, as of XX/XX/XXXX I was notified they would not be handling my loan, it would be with a company called XXXX. I was on automatic payments with SeedFi and told through email and the SeedFi application there was nothing I needed to due. That was not the case. My payments did not continue. When reaching out to customer service for XXXX I was told there would be a late fee plus payment due. I was not able to set up payment online, and SeedFi is in breach of contract selling my loan to a third party. Now, Im having to try to get caught up with a company Im not familiar with, has a horribly outdated website, charges different fees, and I didnt agree to work with.
Consumer complaint received 2022-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CA)

Radius Global Solutions is a debt collection agency that contacted me by mail on XX/XX/XXXX regarding a debt they stated I owed. I responded to this collections letter via return mail on XX/XX/XXXX, disputing this debt as they provided in their letter. The letter was mailed to their firm on the next day, XX/XX/XXXX. There was no reply received from Radius Global Solutions to my dispute letter. 

However, on XX/XX/XXXX, I received a second collections letter from a second collections agency called XXXX XXXX XXXX. There was no indication in this letter that XXXX XXXX XXXX was aware that this debt was in dispute. In addition, it is possible that Radius Global Solutions has violated the California Fair Credit Collections practices statues by forwarding this debt to a new company subsequent to my written request for more information as to the debt and whether I owed the debt. 

Since I did not receive any proof from Radius Global Solutions, I disregarded the debt and it was not paid. I do not believe Radius Global Solutions had the right to transfer this debt to a new collection agency, as they did not prove that I owe the debt. 

Radius Global Solutions should be held accountable for this possible violation, and the original request should be honored ; in that, Radius Global Solutions should furnish proof that I owe the debt, and if they can not do so, I should no longer be contacted about this debt. 

I feel like I am being scammed by these companies involved.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVICES # XXXX*was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT COLLECTION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT COLLECTION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT COLLECTION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-07-15
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had an auto car loan with Capital One Auto Finance. On XX/XX/XXXX a {$20.00} late fee was assessed. On XX/XX/XXXX, I paid {$110.00} partial payment. On XX/XX/XXXX, I traded in my XXXX XXXX XXXX to a dealership. The dealership sent Capital One Auto Finance a check to pay off my auto loan on XX/XX/XXXX. The check did not post until Friday, XX/XX/XXXX. On XX/XX/XXXX is when Capita One Auto posted the payment to my account. I was notified by email on Saturday XX/XX/XXXX after business hours that the account was paid in full. I tried calling Capital One Auto Finance to discuss waiving the {$20.00} late fee however, the service center was closed. The dealership advised me it would take 14 days for Capital One Auto to receive the payoff which would take me Monday, XX/XX/XXXX. On XX/XX/XXXX, I contacted Capital One Auto Finance at XXXX XXXX  to waive the late fee since the loan was paid off early. Capital One Auto is telling me since the loan was paid off, there is nothing they can do about the refunding the late fee. They are sending a {$34.00} overpayment but can not refund me the {$20.00} late fee? This is a finance company, they can do what they want.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IL)

I was involved in a romance scam between XXXX and sent money to the person through XXXX XXXX, Western Union, XXXX XXXX  and also through XXXX  These were either done in person or through there apps. 

This is not part of the settlement that was already done through Western Union ending XX/XX/2017 and XXXX XXXX ending XX/XX/2017. These are all transactions happening after the dates, and I wanted to start a new case towards these.
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX I was laid off due to the COVID19 shutdown. I work in a XXXX  XXXX  in a XXXX  in XXXX XXXX. My boss says I will not be returning back to work until possibly XXXX or later. Unemployment is running out next week and I have no idea how I will pay my mortgage with a XXXX wife. I am in Forebearance with Wells Fargo but I have been paying every month since I am receiving unemployment. I asked/pleaded with Wells Fargo to put a few months payments to the back end of the mortgage like most other banks and mortgage companies are doing. Hopefully by the end of the year I will be back to work or find another job and can resume paying. Why is it only Wells Fargo has no program to help customers during this crisis. I did not ask to be laid off or lose my job thru any fault of my own. Wells Fargo gets away with a lot of bad dealings with consumers and then gets a slap on the wrist by the Federal Banking authorities and continues their crooked ways while the people that are supposed to look out for us are handed wads of cash by lobbyist to look the other way until it becomes a disaster. Then you have to throw a little fine their way. Please for once take care of the little guy. Me and many others will lose our homes due to a ridiculous government response to a flu. If you have any heart please, please force them to help consumers. Their billion dollar customers are getting loans from you and i can't get a month 's help paying my mortgage.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 16011 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

DELETE THESE LATE PAYMENTS PURSUANT TO 15 USC 1681A ( d ) ( 2 ) ( i ) XXXX XXXX XXXX XXXX From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things, XXXX XXXX XXXXXXXX XXXX XXXX 

DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2024-10-15
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. (TX)

REMOVE BANKRUPSTY IT SHOULD NOT BE ON MY CREDIT REPORT THERE IS SEVERAL ERRORS AND NO DEBT WAS EVER PAID NEVER DID THIS XXXX HAS REMOVED AND XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (IA)

I have an account with Albert ( managed by XXXX XXXX  ). They advertised a promotion where if I referred another person to become an Albert customer and they met certain requirements, they would receive a {$150.00} bonus, and I would also receive a {$150.00} bonus.

She met all of the requirements, and her bonus was posted to her account. I reached out to Albert customer service to inquire when my bonus would pay out. From the start, Albert seemed intent on making sure they didn't have to pay my referral bonus as promised.

- They first responded that the person I referred had not completed their requirements. I explained to them that this wasn't true because her bonus had already posted to her account.

- The next excuse was that she hadn't done it within 150 days. I also explained that was not true.

- The next excuse was that she had deactivated her account. Also not true. She had actively used the account as recently as two days prior. 
- They then asked to have her reach out to customer support to have them investigate on her account. She did, and everything checked out on her side. The agent verified the referral link was correct and that she had successfully completed all of the requirements to earn the bonus ( which are also what she needed to do for me to earn the referral ). They informed her that I should continue with customer support on my account- When I reached back out to continue with customer support, they once again claimed that she had not met the requirements. I again proved that to be incorrect. 
- The final excuse was that their system did not show that she was referred as a customer and claim that she must have applied without a referral link, and there was nothing more that they could do. I know this to be 100 % false, as I sent the link and helped her in applying/signing up while sitting right next to her. All steps were completed correctly and completely. 

I'm not sure what you call this ... bait-and-switch, false/unlawful advertising, etc. At best, these are questionable business practices to make a promise to obtain new customers, then not follow through on those promises.
Consumer complaint received 2023-01-11
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. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Consumer complaint received 2021-09-21
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.