davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (OK)

I had a service contract with XXXX, XXXX that was fulfilled. They actually did not provide a service for the last 12 months of the contract but I still paid them and fulfilled my end of the contract. After that, I cancelled the service and stopped paying. 
Today I received a call from a collection company stating that I owe over {$400.00} to XXXX. I called XXXX directly to verify and they said that they see that I fulfilled the term of the contract but because they did not receive a written notice to cancel that I was still being charged monthly. I never received a notice of default or that I owed them a debt. They have the correct email address on file and they did not ask for a forwarding mailing address, as they knew I was no longer at the previous service address. 
I believe they have violated multiple laws/regulations : They did not inform me of a debt owed. 
They did not inform me of a debt being sent to a collection agency. 
They did not cancel my contract after I requested it and I was outside of the contract term. 
They charged for a service that was not provided. 
I have requested a copy of a signed contract and they have so far not sent me a copy. 
I have tried to in good faith resolve this with XXXX, XXXX and they are telling me that they can not help me so I feel my only other option is to pursue remedy through a Consumer Protection agency. When I told them that I was going to pursue recourse through the CFPB and/or FTC, the rep laughed at me.
Consumer complaint received 2021-07-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

PHH Mortgage company still has not paid my property taxes for year 2020. 
I have been calling them since XXXX and every time I'm getting the same answer " we are working on the issue and we are sorry ''. but no one can tell why ma taxes hasn't been paid. Last month I received a 2nd delinquent notice from my county. 

Amount to be paid is : {$8800.00}
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP (IL)

Hi my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2020 SBA deposit {$4000.00} to my business account for covid19 relief. OnXX/XX/2020 me myself made a cash deposit inside branch for {$4000.00}. I XXXX XXXX the XXXX of XXXX XXXX XXXX XXXX never received a debit card from Associated bank for XXXX XXXX XXXX XXXX until XX/XX/2020 so yes u see numerous of XXXX coming from this business account sending to the same people who are XXXX XXXX XXXX employees. SBA approve XXXX XXXX XXXX deposit that was made on XX/XX/2020 into company account ending in # XXXX. SBA are also very aware of when XXXXXXXX XXXX XXXX XXXX were established so Im confused to why Associated bank will make false accusations stating that in order to get an SBA business loan your company have to been establish a certain period of time XXXX XXXX XXXX XXXX are active with the state of Illinois, and IRS. Associated bank stated they sent SBA deposit back SBA stated over the phone that the deposit made on XX/XX/2020 for XXXX XXXX XXXX XXXX  can not be reverse. XXXX XXXX XXXX XXXX business account with Associated bank still frozen as of today XX/XX/2020with available balance of {$5300.00}. I have phone records, emails that Associated bank received XXXX XXXX XXXX business documentation in a timely manner. Ive made numerous visit to the branch with an email from banker saying she tried reaching out to XXXX, also she forward all documentation. Associated bank have made numerous of false accusations toward me and my company that make me the XXXX  believe an employee of Associated bank trying to steal. Below are evidence of the accurate deposit that was made from SBA to XXXX XXXX XXXX XXXX with 2 recent bank statement from Associated Bank to justify that our company money are still available and not sent back. SBA stated they can not accept deposit back because it have been approve for XXXX XXXX XXXX XXXX. I have disclosed a copy of my personal bank account statement showing that I use my personal account for business purpose and do not have to use SBA loan for personal use. My company already gross {$8000.00} in XXXX and {$14000.00} In XXXX that I have circle on my personal account statement so please stop making false accusations against me and my business. Associated bank trying to make it seem like XX/XX/XXXX are a criminal this not right and should be against the law. If Associated Bank would have did their proper investigation by giving me the XXXX a call instead of judging of how it look my account will not be frozen as of today XX/XX/2020.
Consumer complaint received 2023-01-16
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-13
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. (TN)

Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my report.
Consumer complaint received 2020-04-29
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. (MN)

To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (MD)

XXXX  is reporting an false account on my credit file. The Financial Management account was deleted back in XX/XX/2020 as you can see from the attached credit file. Then reported at the same time with a balance of {$9900.00}. Falsely claiming I made a payment of {$7.00} When I was never given legal documentation detailing any information about this account. It's payment history, late fees, original balance, sign contractual agreement with FMS Financial Solutions. No relation documentation or Title of enrichment was ever provided as to whom this third party debt collection company represents. XXXX  continues to report this false account though I have sent documentation that would state these facts.
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

On XXXX I purchard XXXX XXXX XXXX From XXXX XXXX XXXX.. 
At time of Purchased I gave two deposits one for {$400.00} from XXXX and second for {$500.00} using my XXXX XXXX XXXX / XXXX XXXX XXXX.. 
After investing XXXX in repairs I find out the car needed additional {$920.00} in mechanical safety repairs that the dealer refused to repair acourding with NJ MV inspection Rules ... 
At that point I returned the car on XX/XX/XXXX to my selling dealer. 
On XX/XX/XXXX My selling dealer XXXX Paid off my installment contract with XXXX Canceling and Voiding this whole deal and any oplagations to said car. 
Since then I have recived my first deposit from XXXX card for {$400.00} Howerver my XXXX XXXX is holding me to the orginal contract that states its a none cancelable contract actording to the seeling dealer however the dealer has canceled the deal making all deposits refunable ... 
The issue I have is with XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Refusing to issue a full refund in the amount of {$500.00} do to a voided purchard of Merchandise ( ie : XXXX XXXX XXXX )
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

I am trying to link my PNC account to my XXXX  account so that I can transfer money to PNC in order to bring my account out of a negative balance. Ive been having this issue a lot with pretty much any site I try to connect PNC with it usually denies access to my account. I just need help getting PNC to allow me to connect my bank account with other accounts.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

PLEASE HELP ME!!! 

Equifax actions has made it impossible for me to find a place to rent which has caused me to beome homeless. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am permanently XXXX veteran and need a place to live. 




XXXX XXXX account balances does not match on report. XXXX {$12000.00} ; EQ XXXX ; XXXX XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete XXXX   {$33000.00} ; EQ XXXX ; XXXX XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. error. 
please delete
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/XXXX I submitted a request for payment deferment due to Covid-19. I was laid off from my job. I submitted online and received a message stating once the request submitted I would be allowed to skip the next two months ' payments. ( Please see the message from BarclayUS below ) However, today ( XX/XX/2020 at XXXX from XXXX ) I received a call from Barclay Card customer service rep saying my account is past due, I have been charged a {$49.00} late fee. If I paid the minimum {$27.00} today, they would reverse the late fee. I explained I had requested payment deferral due to being laid off. She asked me when I was laid off, and if I could make the {$27.00} payment. I explained money is tight and I prefer not to. I also explained I had applied for payment deferral. She said she had no record of that. When I pulled it up on the " Message Center '' in their website and told her it is there. She stated that she could not access message center messages. 

I asked her for payment deferral and she said it is too late for XXXX and that she would defer XXXX. She asked me to make the payment now with her on the phone and then she would reverse the late fee. 


***** MESSAGE FROM BARCLAY US BANK RECEIVED XXXX XXXX************ Thank you for contacting us regarding your Barclaycard Rewards Mastercard . 

We understand your concerns and want to provide assistance to our cardmembers who have been impacted by the COVID-19 coronavirus. If you are unable to make your payment during this difficult time, were here to help. You can request payment relief online by logging in to your account at the website listed on the back of your card, choosing " Contact Us '' and then select the " Payment Relief '' option to submit a request.

Once you submit your request, we are allowing you to skip the next two payments due on your account. This means you do not have to worry about making a payment for this current billing cycle or the minimum payment due reflected on your next statement. The minimum payment due will still appear on your next statement and interest will continue to accrue, but you do not need to make a payment. 

Please allow us 5 to 7 business days to make these adjustments to your account. If you have set up Repeat Payments on your account, you will need to cancel them or a payment will be applied to your account. As a reminder, you can view your transactions, check balances, and manage your account through the website listed on the back of your card or our mobile app. 

Sincerely, Customer Care
Consumer complaint received 2024-02-23
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-04-29
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
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 — Account information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. 

The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. 

I have been in the hospital with XXXX  for a while and recently was released and can now address this matter. 

I Demand XXXX  XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

I called Bank of the West on XX/XX/XXXX and messaged them through their XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. As of today they have not responded to my messages and refused to close my checking account.
Consumer complaint received 2020-04-29
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One during these unprecedented economic times, crashing stock market, shelter in place shutdown, COVID-19 Virus spread is only willing to waive my XXXX Credit Card Payments. Capital One has not waived late fees, waived interest or lowered my interest rates. XXXX  XXXX XXXX waived 3 payments with no late fees, lowered my interest rates by 1.5 % with no impact on my credit report. XXXX waived 2 payments, waived 2 months of interest, waived late fees, lowered my interest rate by 1.5 % with no impact on my credit report. XXXX XXXX   waived 2 payments, waived late fees, lowered my interest rates by 1.5 % with no impact on my credit report. Department of Education has waived payments for 12 months, with no interest thru XX/XX/2020 with no impact on my credit report. 
Shame on Capital One charging me up to 24.4 % interest in these challenging times. I am asking Senator XXXX  XXXX to look into Capital One 's unfair credit card policies and practices.