davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent multiple disputes to have my personal information corrected. 

My only name is as listed : XXXX XXXX My only address is as listed : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX My year of birth is :XX/XX/XXXX My only employer : XXXX XXXX XXXX XXXX XXXXXXXX. 

All other alleged names and addresses need to be remove expeditiously.
Consumer complaint received 2022-01-12
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: GOLDMAN SACHS BANK USA (IL)

I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (MI)

Received a movie theater gift certificate for {$50.00} from my son who purchased this from Gift Card Mall last XX/XX/XXXX. Since covid restrictions have lessened and movies are open, I tried to use this at XXXX Theaters and they were unable to honor it since it did not have XXXX 's 16 digit activation number and had no idea what this was. I contacted Gift Card Mall XX/XX/XXXX and got the usual runaround one would expect from a scam company. End result after several transfers, Gift Card Mall did not recognize the order number I had, had no record of the order or my son 's name, could not provide any information that could help me and could care less if I reported this incident. They are obviously still in business ripping off unsuspecting people.
Consumer complaint received 2021-06-08
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. (TX)

I recently received a copy of my credit report and upon review I found an account that is not mine. The account is XXXX XXXX XXXX and the original creditor is XXXX  XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I recently refinanced a prior loan with Amerisave. After taking three months for the loan to close, Amerisave and XXXX XXXX XXXX never contacted the prior lender concerning recording a lien satisfaction or some sort of reconveyance. At this time, Amerisave 's lien will still appear to be in a junior position despite the fact the prior loan has been paid off in full. Please note that both the prior lender and I separately have tried to handle the situation directly with both companies without any success. 

For whatever reason, XXXX XXXX and Amerisave have decided not to obtain much less record a lien release or satisfaction despite charging me for title and escrow services ( which obviously cover the recoding of a lien satisfaction ).
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I contacted XXXX services about a debt of {$760.00} that was reported on my credit report to validate the debt, the company DID NOT respond to my request at all, so I disputed the account to both XXXX, XXXX  and Experian. I first received a response from XXXX stated its not reporting to my file, XXXX  stated the debt could NOT BE VALIDATED and it has been deleted from my report. I sent a letter to Experian certified on XX/XX/XXXX tracking # XXXX asking for proof of how the debt was validated and they have ignored my request by just simply updating inaccurate information without proof of validating the debt as well as violating the FCRA by continuing to report inaccurate, unverfiable information this has been going on for months and its causing me way too much stress when they are not following the law of the FCRA. Unless they are able to provide me verifiable proof I demand the law be upheld and the account be deleted from my file.
Consumer complaint received 2020-01-26
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. (VA)

A collection account in the amount of {$2800.00} has appeared on my credit report. The creditor is XXXX XXXX at XXXX XXXX. We contacted them and we were told it is for a lease that was signed on XX/XX/2015, in XXXX. This could not have been me as I was a member of the United States XXXX stationed in XXXX at that time. I have disputed this account with the Credit Reporting Agency and I am told that I am still liable even though I was a member of the United States XXXX on orders to be in XXXX at the time of this alleged debt.
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent multiple disputes to have my personal information corrected. 

My only name is as listed : XXXX XXXX My only address is as listed : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX My year of birth is :XX/XX/XXXX My only employer : XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

All other alleged names and addresses need to be remove expeditiously.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I went to Chase bank to deposit {$1500.00} in cash into my checking account to pay my rent that was due ( I XXXX  and get paid in cash mostly ). I pulled up to an atm, inserted my card, selected deposit cash and starting putting small stacks of cash into the slot as I always done in the past. On the last pile i inserted it gave an error message and spit out a {$50.00} back but the rest was in the machine counting. When It was done the total only showed {$500.00} dollars ( I believe that was the number it displayed but I know it was not the {$1500.00} I put in the machine ) so I was shocked and instead of agreeing to deposit the incorrect amount I pushed cancel instead of ok. The machine proceeds to spit out cash back at me and I counted it immediately and {$600.00} of it was not there. I was dumbfounded and figured it was a glitch so I called chase right away while at the atm and was instructed to file a claim and to not worry my account will be credited. I went inside to deposit what I did get back and spoke with a bank employee who also reassured me. Its been 2 weeks and 2 claims denied later now and I still havent seen my money. Ive gone to the bank and called several times and it seems like they have no interest in validating what happened and.returning my {$600.00} please help!
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have complained with the Credit Reporting Agencies ( CRA 's ) regarding the FCRA requirements that the CRA 's investigate for completeness and accuracy. The CRA 's reply on all complaints that " they will enter my dispute into their system and review all information ''. This isn't an answer but a way they blow off complaints and look like they are doing their job..
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2024, one of our former tenants reached out and said he " accidentally '' sent some money over to us ( {$2000.00} ) through Zelle and asked if we could send it back to him. We first looked up Zelle 's policy to see if he could cancel the payment and then just keep our money. Zelle has it listed that transfers are not reversible. We felt safe sending him his money back since it wasn't our money and the payment couldn't be canceled. We had no idea that this individual filed a claim through their bank via Zelle. The only time we were notified that our Zelle account was impacted was on XX/XX/2024 when we received a letter from XXXX XXXX dated XX/XX/2024. We immediately called XXXX XXXX and asked about our Zelle account. It was only then that we were made aware of a claim made by someone else of fraud. The XXXX XXXX agent couldn't provide much details but only said that the transaction in question was for {$2000.00}. She did say that she saw we sent the money back to the person. She only gave us a claim number and said to keep it if we had any questions. We didn't hear anything else from XXXX XXXX or Zelle. On XX/XX/2024, we noticed a Zelle reversal credit taken out of our account. XXXX XXXX is pointing the finger at Zelle but I feel as if both companies have failed to protect our money. I was told to contact the individual who filed the claim but that person didn't authorize for money to be withdrawn from our account. It was someone from Zelle in partnership with XXXX XXXX. We did the right thing and sent the person back their funds as they requested, yet we are at a loss now and there is no urgency to rectify our {$2000.00} loss by XXXX XXXX or Zelle. We contacted XXXX XXXX on XX/XX/2024 bright and early in the morning because we can't directly contact Zelle and XXXX XXXX only sent a request to an investigator on XX/XX/2024. Today is XX/XX/2024 and no investigator has reached out to us to explain anything or provide more information. We feel like the business practices of both companies demonstrate that frivilous claims aren't thoroughly investigated. It doesn't matter if the other person filed the claim through their bank, as an agent pointed out, because we can't contact their bank or Zelle about this. Our only voice is through XXXX XXXX and so far they have been grossly negligent as far as I can tell.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

On XX/XX/2022 my account with Nissan was satisfied via XXXX XXXX XXXX XXXX. 

Current Creditor : Nissan Motor Acceptance Company, LLC Client Account # : XXXX Our Account # : XXXX Original Creditor : Nissan Motor Acceptance Corp This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. 
Amount Paid : {$760.00} Date Resolved : XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I successfully settled with XXXX XXXX ( XXXX XXXX XXXX on all written correspondence ) for {$580.00} on a balance owed of {$830.00} ; I was sent a letter from XXXX XXXX XXXX showing that I owed a {$0.00} balance and that the debt was paid for less than the full balance. However, on my most recent credit report, pulled XX/XX/XXXX, I have a past due amount with XXXX XXXX for the remaining {$240.00}. If I have a letter stating that I have settled the account, and it is now closed, why is XXXX XXXX XXXX XXXX. still reporting the forgiven balance as past due?
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (LA)

Hello. I made a previous claim because I refinanced my vehicle from XXXX XXXX to XXXX XXXX. XXXX XXXX sent a check and I put it in my Chase account and paid XXXX XXXX the same day. A month later Chase pulled that payment back from XXXX XXXX because Chase said they d needed XXXX XXXX  endorsement. ( A Month later ) so they advised us that XXXX needed to do a recall on the check to get the check back. Yall sent a check back but with no information on who the check was for so XXXX sent the check back to Chase back in XXXX. We are waiting on yhe check to be sent back with my information on it so they can know who its for.
Consumer complaint received 2019-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (IL)

I had a membership at XXXX XXXX for a couple months it wasn't working out that I had time to go so I went in and talked directly to the same manager that opened the membership and canceled the account that was taken directly from my checking account he said no problem and told me it was cancelled so I went on with life for a little over a year hearing nothing from them till I open my mailbox one day to a bill for 11 months of membership totaling XXXX dollars. And I call them and they said my membership was never canceled. And owed them for it. This is fraud. I canceled my membership by talking to the manager of the location!
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG MORTGAGE, INC (FL)

I have submitted requests on my online mortgage dashboard XXXX times this year ( see uploaded document " Screenshot of Document Center '', requesting that the PMI be removed. Each time I have received a denial letter. Please see most recent denial letter attached " PMI removal denial letter XXXX '' I do not understand why I am being denied as I meet XXXX 's criteria for removal ( having at least 20 % equity based on the original home value ). I also have an excellent repayment record as the monthly mortgage payment is automatically deducted from my bank account each month. 
I also qualify based on the information showing on my " dashboard '' when I login to their website, please see " Screenshot of mortgage dashboard '' although they have incorrectly listed the original home value as {$120000.00} it still shows that I have 20.6 % equity. Please also see " FINAL - Closing Disclosure XXXXXXXX XXXX XXXXXXXX '' where you can see that the original sale price was actually {$120000.00} ( not {$120000.00} ). Even so, I qualify based on either value : {$120000.00} less loan balance {$100000.00} = $ XXXX = 21.86 % {$120000.00} less loan balance {$100000.00} = $ XXXX = 20.62 % I have carefully read the denial letter and I qualify under the first stated criteria, but I feel that they are trying to force me into the more costly approach of getting the PMI removed based on the current market value which requires an appraisal. 

I have tried calling the customer service department but they tell me the PMI department does not accept incoming calls and I must wait 24 to 48 hours for a telephone call from a random number ( which they can not tell me ). Needless to say, I have not received a telephone call, even though I answered every random call received during the specified time period. I asked for confirmation numbers on both occasions that I called the customer service line and was given a combination of the customer service representative 's initials and the date I called : " XXXX '' and " XXXX ''. I am so frustrated. Please help!
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch (GA)

As a secondary owner of vehicle financed through the company. Shortly after financing I was XXXX  years of age. The co signer and First owner returned vehicle to loan company due to court order being in affect. Child custody order. Co signer and first owner returned vehicle due to having to turn it over during court of child custody. I called loan company and asked if can get possession of vehicle and continue to make payments. Loan officer advised me I could do that but if custody battle was hostile co signer did not have to turn vehicle over to me and could still possess title. Vehicle was never mine. Was only signed on loan to help build credit as I was starting out. I tried to take ownership of vehicle to keep credit in good standing. Loan officer advised me co signer would still get possession of title and vehicle if I made the payments throughout the loan. Was advised to appear in court to have my name removed from vehicle. Never received court date nor documents on when to attend. Would like this debt removed from my credit considering it has been several years. I have filed disputes and can not get the vehicle removed from credit report.
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

I recently disputed a bankruptcy with LexisNexis and they were not able to verify this information so they deleted this Bankruptcy from their records. I took the letter they sent me and I opened a dispute with XXXX and XXXX by mail. They both came back stating that the bankruptcy was verified by LexisNexis. Both companies also told me that LexisNexis needs to send them a letter stating they have removed the Bankruptcy from their records. I called LexisNexis and they told me they don't do that. When I called both XXXX and XXXX to tell them what LexisNexis said, they BOTH said that this is the only way they can verify that this Bankruptcy has been removed. I'm asking that LexisNexis report the bankruptcy removal to XXXX and XXXX and send me a letter confirming they did that. Their false reporting is in direct violation of my FCRA rights and has caused me years of stress and my mental health has declined and has caused me to pay extremely high interest rates and has prevented me from buying a home. I'm currently in communication with an FCRA Consumer Lawyer to go over my options with all three companies.
Consumer complaint received 2022-04-29
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: WELLS FARGO & COMPANY (TN)

In accordance with the fair credit reporting act Wells Fargo XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ZWICKER & ASSOCIATES (GA)

my XXXX  account online doesnt allows me to add a payment method or set up online payments and im directed to pay via wicker and associates. now for three moments ima. row, XXXX XXXX and XXXX ive tried to call to make payments and shouldnt have had any late payments but now i have not only three months of late payments but also a charged off account. this is because every time i contact XXXX to pay they redirect me to their collections agency zwicked and associates but they continuously say that XXXX XXXX has power of attorney over my file. this is inaccurate and ive told them this for three months as well as contacted XXXX XXXX  to ask how this is being said they say they do not have power of attorney and i know well enough to know i havent ever signed my rights over to anyone else. just as ive stated fr the entire duration of XXXX this has been the case. I call and attempt to make a payment followed by them, refusing to take my payment and saying that they can not take my payment and are not authorized to do so because XXXX XXXX has power of attorney over my file. this is all false and i can not make a payment with them even thought they continue to tell the cfpb they will take payment they will not take payment and my account continues to default DUE TO THEIR refusing to accept. payment due to saying i cant pay j own account. XXXX XXXX does nor have power of attorney. this is false information and continued lies from these predators at zwicker i canams have been attempting to pay my account for three months with no avail as they continue to tell me they cant take my payments unless XXXX XXXX gets involved. they are replying with false information to my claims