davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (CA)

I called the company to make arrangements and inform them that i would be slightly late on my payments for XXXX and XX/XX/2021 due to loss of wages due to covid. They seemed sympatric and informed me to pay as soon as possible and they would not report this as a late payment but as a hardship, but still the late payments were reported on the credit. I am currently up to date despite my hardship and currently applying for a new apartment to rent and this information is hindering my report. I would like the late payments forgiven and my profile updated.
Consumer complaint received 2021-04-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I continue to receive calls for a payday loan ( Ace Cash Express ) I took out in Texas but had since received a letter from them years ago stating that they had discharged the debt. When offering to send them a copy and asking for their address or email they will not provide and start cursing me and threatening legal action. The do not cease to call me eventhough I requested they send everything to me in writing in which they have not for months now. They just keep calling and harrassing me and not giving me any recourse to present evidence of debt not owed and no proof presented to me that the debt is still owed, which it isn't because I believe they went out of business in Texas or got sued for practices or something but the letter was sent to me while I was in Texas of the debt being discharged. I'm sick of the calls, the harassment and the rudeness! 
It starts off as a robo call press # XXXX to be connected then it connects and then they give you your dob and name and verify it's you then when you say i've received multiple calls and have tried to get an address to send proof they start cursing and telling you that " you seem very angry '' and berating you and telling you that they don't need to give you an email or address that they are going to file a civil judgement against you and threatening you. But they give no means to send proof of debt not owed. It's harrassment!
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

The company claims that on XXXX XXXX, XXXX, I made a payment via the automated system using a different checking account number than was previously used in the last six months and that the payment was subsequently returned by my financial institution as unpaid on XXXX XXXX, XXXX. This information is false. My financial institution has confirmed there was no request for payment submitted whatsoever. Furthermore, I have proof I used that bank account within the previous six months sucessfully to make the payment. Company claims the same thing happened again on XXXX XXXX, XXXX. Again, my financial institution reports no payment request was made, and, again, this account was used successfully in the past. Company claims they gave me a {$25.00} credit. They did not. They refuse to return the two {$25.00} returned check fees. There were no returned checks, so they need to refund me the Two, {$25.00} returned check fees. A customer service representative told me he would refund the returned check fees. They never did.
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

XXXX 2015 I changed insurance co. I sent the refund I received from the old insurance co. to seterus. It should have been applied to my escrow, but was applied to the principle instead. I made my XXXX payment and for some reason that payment was put in suspense. My payments each month have all been jacked up ever since. I have called seterus I do n't know how many times trying to get this straightened out. I was told by more than one representative that they could see some crazy things going on and that I needed to send a letter to their correspondence department. On XX/XX/XXXX,2015, I sent a letter along with all statements that they have been sending me, a copy of my bank account showing where the payments were taken out of my bank and a copy of the newest ammitorization sheet ( which shows I might add that I have a surplus in my escrow account and am owed a refund of approximately {$1700.00}. ) All I have heard back from them was that they received my packet and were going to examine it. I am also set up for auto-pay in their system and since they have an issue with some of my payments being placed in suspense, the auto-pay is not taking my payments out. I was told by several different representatives that they would waive any late charges and the charges for paying by phone, since it was not my fault that auto-pay was not working. I have made each months payments and am not behind or late on any payments, plus they owe me a refund. Meanwhile I 've been receiving phone calls from them wanting payments that I have already made. I have documentation to prove all this, but it is in paper form and I would have to copy it and send it to you by mail.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

I made a purchase on XX/XX/XXXX in the amount of {$170.00} and indicated to charge my XXXX in error which I immediately change to my XXXXXXXX XXXX on file. My confirmation of the purchase indicated the XXXX was to be charged, however both accounts were charged. I disputed the charge on XX/XX/XXXX. I received a letter dated XX/XX/XXXX requesting more information which I sent on XX/XX/XXXX together with a letter outlining what had happened. I then sent a second letter on XX/XX/XXXX and a third letter on XX/XX/XXXX. I also had called several times and was told the dispute was in process but never received anything in writing. I also during this time had another dispute which was resolved quickly however may have led to confusion concerning this dispute. I have requested by XXXX account to be refunded. Order # XXXX
Consumer complaint received 2017-11-19
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. (IL)

Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

Sometime on XXXX, 2017, I was trying to get a copy of my free annual credit report online. But when I did to submit my request, the next web page tells me, that I am unable to process my request. It didnt say why or what options I can do to get it. And this XXXX of 2017, I have applied some credit cards and apartment rental application to do background check online, most of the applications are denied due to the 3 credit reporting agencies. And now, checking on my credit score go down because it shows on my reports that I have a hard inquaries showing on my reports to the 3 credit reporting agencies. I also found That there are some incorrect/unaccurate information on my reports.
Consumer complaint received 2016-05-14
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC (PA)

I recently " purchased '' a car with a {$12000.00} sticker price. Under the guise that this was a financed loan. After all the paperwork was finalized, the final cost of the vehicle became {$35000.00} and this was a lease, not financing. So after 5 years of paying for the vehicle, I then would have to return the vehicle and also pay any depreciation cost. Also, if I return before the lease term is up, I 'm still liable for the cost of the vehicle. Or if I return the vehicle and stop paying for it, this would severely damage my credit. The name of the company who does the " financing '' is Autotrakk.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee. I sent a certified signed affidavit to US bankruptcy court and asked if they shared and information with any of the three major crediting reporting agencies. They replied saying they did not give any information of my bankruptcy status to any of the three major credit bureaus and i attached a copy of that letter to another affidavit and sent one to each of the credit bureaus. I also did not express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my bankruptcy information from public records which is legal to obtain but they are not in compliance with the Fair Credit Reporting Act to report those findings on my credit report. I also received a letter from XXXX XXXX XXXX from the law office of XXXX XXXX XXXX XXXX stating that their client XXXX XXXX XXXX XXXX XXXX has ceased collection of the account and submitted a trade line deletion request. THIS MARK STILLS SHOWS ON MY CREDIT FILE IT HAS NOT BEEN REMOVE NOR HAS MY CREDIT SCORE BEEN UPDATED TO REFLECT THAT ITEMS REMOVAL. The law office of XXXX XXXX XXXX XXXX did send a letter to the three major credit bureaus to removed it from my credit file. The Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. This will be my last time filing a complaint with CFPB, I will be moving forward to a court of proper jurisdiction.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc (CA)

I have not applied for a Chime credit card or account. Today ( XX/XX/24 ) I received mail including a Chime Debit Card with no name on it, but a chip present. There was a sticker on it to activate it in the Chime app.

I called and the automated system said that it was able to locate my account with my phone number.

Again, I never opened an account. I phoned REPEATEDLY asking for a supervisor. I was told several different things. That they would be happy to transfer me to a supervisor ( but never would ), that they don't have supervisors, that they don't work for Chime, and that they do, that they didn't have my information ( even though the automated system said it did ), etc.

This is FRAUD. Due to previous bouts with identity theft, I have frozen all three credit bureaus so I know I did not do this. This card would be very easy for someone to fraudulently activate.

Chime has chosen to take risks with my credit that I did not authorize and they refuse to let me talk to someone who is actually with the company while lying to me and seeming to not understand why I would be angry.
Consumer complaint received 2021-10-04
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. (GA)

The three reporting credit agencies are incorrectly reporting my XXXX  SCORES! 
I have been of Identity Theft, the Equifax XXXX, XXXX XXXX, XXXX XXXX XXXX, Department of Defense, Military Hospitals, Scams, department stores, lies about credit inquiries, lies about my debt ratio, lies about large balances, etc. THESE REPORTS ARE NEGATIVELY AFFECTED ME TO GAIN HOUSING WITH THE ADVERSE ERRONEOUS DATA. I AM GRAVELY IMPACTED. EQUIFAX DID NOT PROVIDE CREDIT RESTORATION OR CREDIT MONITORING FOR MY CHOICE IN THE SETTLEMENT. Please help me to restore my CREDIT WORTHINESS FOR WHICH I WORKED MY LIFE TIME. Thank you.
Consumer complaint received 2021-03-24
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. (OH)

Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.
Consumer complaint received 2021-10-05
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. (TX)

I have written 3 letters and received 3 responses from Equifax ( see attached letters from Equifax dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to request that Equifax remove the XXXX hard inquiry on XX/XX/XXXX which needs to be removed due to identity theft and the inquiry is still on my credit report to this day ( please see attached copy of the inquiries from my credit report directly from equifax.com dated XX/XX/XXXX ). I followed all proper steps for inquiry removal including filing an ftc report with the inquiry in question. Equifax received the letters and agreed the inquiry should be removed and responded as such. I have also called multiple times and each time the representative validated that yes it should be removed and insisted that a note to backoffice / fraud department was placed to have this removed but still this particular inquiry appears on my credit report. If you look closely at each of the 3 Equifax letters you will see that Equifax actually does agree that the inquiry should be removed ( see highlighted section on page 3 of each letter ). Each letter states that the inquiry has been removed. However, as you can see from my credit report on XX/XX/XXXX the inquiry still remains after multiple attempts. The interesting thing to note is that Equifax deleted all of the other inquiries that were requested, just not this XXXX inquiry for some reason. I don't think this is a case of Equifax refusing to comply. I believe they fully agree the inquiry needs to be removed. This seems to be some kind of system issue with XXXX because it appears that the Equifax representatives who processed each letter believed they in fact were deleting the inquiry but for some reason the system did not actually delete it. Equifax needs to fix whatever system issue exists preventing this XXXX inquiry from being deleted. In addition, I noticed that an additional XXXX inquiry has appeared dated XX/XX/XXXX that was not me and needs to be removed. I would also like this removed at the same time.
Consumer complaint received 2019-10-21
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: Bread Financial Holdings, Inc. (IL)

I notice that my credit report was ran without my consent on XX/XX/2019. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed with no resolve. Comenity Bank XXXX
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

My TD bank Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for XXXXXXXX  and invested a total of {$20000.00}. After the initial investment XXXX continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my XXXX account was unsuccessful. At present I have no access to my XXXX account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to TD Bank and to XXXX for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rodenburg LLP (WA)

I am currently being garnished from a judgement that was unfairly put on me. I was not given the chance to defend/explain myself in court and never received any papers served to myself for the given judgement. I have attempted to contact the Rodenburge Law Firm several times but every time i am met with a voicemail system and no response. I even attempted to send their company an email to which i never received a response to. 

My current employers have contacted me with the judgement which has tacked on a ridiculous amount of interest to a judgement that unfairly placed upon me. I was not given any notice to appear before court or a chance to even defend myself. 

Now, years later I am being garnished without warning from Rodenburg Law firm whom I am unable to even contact for comment regarding these allegations. 

Another thing that really bothers me about this is the chance that these documents might be forged or tampered with. I see that in the top right corner of the garnishment it says : WRITE EXPIRES XXXX XXXX, XXXX ; and at the bottom of judgement it says : Given under my hand this XXXX day of XXXX, XXXX. This paperwork looks smudged and as if it was filled in by someone with their own handwriting, in other parts of it it is not even legible ( bottom middle ). 

I do n't understand how they can take {$5600.00} out of my pay check when the original judgement was for {$3700.00} and I was never even given a chance to represent myself in court. How is this even possible or legal? Even though I have attempted to contact them several times i cant seem to get any further documentation and/or explanation out of them. 

I 've been doing research on this Law Firm and have found numerous complaints and unethical treatment of the people who they are taking money from. I am afraid i am not the only one and this horrible treatment of honest hardworking people needs to stop. 


Under the state that this debt was formed Montana the creditors violated the following laws : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA (IN)

I see that Marcus Goldman Sachs still shows on my credit report as owed {$7600.00}, last updated XX/XX/2023. This debt was transferred to XXXX in XXXX. I have made XXXX payments to XXXX, which they have not credited through credit bureaus at all. My current balance should be {$6100.00}, but its not reflecting on my credit report, and XXXX should be removed, as the debt has been sold to XXXX. This is affecting my credit rating ( went down XXXX points today ), and XXXX says it wont be updated until XX/XX/XXXX. I do not trust XXXX at all. And I have disputed XXXX  with the credit bureau, as that account needs to be transferred to XXXX  and my {$1500.00} is off in limbo somewhere. Very disappointed
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NY)

PAY-PAL has fraudulent unauthorized charges on my acct # for XXXX  for {$690.00} they will not give me the last four digits of the card used, address, was I charged or did it go through. Complaint # XXXX attaching supporting documentation
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OH)

First, I attempted to register with XXXX so I could monitor my credit but I was unable to successfully register due to " incorrect information '' error. Later, I attempted to get my credit reports from XXXX. This too was unsuccessful and I fear that the credit bureaus may have my information wrong. 
Attached are documents regarding my identification. 
Thank you
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NC)

My wife received a piece of mail from Quicken suggesting we refinance our mortgage to a higher rate and extended term. Yes, we could save more on our monthly payment by doing so ; however, I could not find anywhere in the letter where they indicated that this would result in our paying more interest over the life of our loan. And after doing calculations on my own, it looks like it would be XXXX upon XXXX of dollars more. Maybe I 'm overly sensitive at this time due to the buzz around Quicken 's Rocket Mortgage ad during the XXXX XXXX, but I 'm really getting fed up with Quicken 's aggressive marketing tactics that seem to go against Truth In Lending principles.