davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX IS TRYING TO COLLECT A DEBT THAT WAS PAID ON THE DAY OF THE XXXX IT WAS PAID TO XXXX XXXX XXXX. I TOLD XXXX XXXX NOT TO CALL MY WORK BUT THEY CALLED ANYWAY AND CONTINUED TO CALL WORK NUMBER THIS DEBT WAS PAID IN FULL THE DAY OF THE XXXX PLUS I WENT XXXX IN THE XXXX THE XXXX WAS DONE ON, THIS WAS CAUSED BY THE XXXX SO I WANT HIS REMOVED FROM CREDIT REPORTS AND NO MORE CALLS MADE TO ME OR MY WORK
Consumer complaint received 2019-06-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have made several attempts to rectify this situation. I have disputed with the credit reporting agency and the creditors. I have contacted the credit reporting agency by phone and I have sent disputed letters to the creditor on XX/XX/2019 and on XX/XX/2019. The Creditor reports that I have a past due balance of {$3700.00} as of XX/XX/2019. The account is listed as Collection/Chargeoff on my credit report. There can not be a past due balance if the account was settled and charged off. The {$3700.00} is being reported as 64 % of my credit usage. That can not be accurate if the account is closed, settled and a charge off. I have also contacted the creditor asking for documents or a contract bearing my signature for verification that the account belongs to me and have yet to receive that. They have only sent me copies of a billing statement from an address I have never resided. The creditor also made a hard inquiry on my credit report without my authorization on XX/XX/2019. I did not apply for credit with their agency and do not have an account with them therefore they had no right to pull my credit.
Consumer complaint received 2019-06-02
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: Waypoint Resource Group, LLC (OR)

On XX/XX/2019 online dispute was submitted to XXXX XXXX for the following inaccurate account currently reported on my credit report. The dispute request was to delete and remove the following account from my credit report. XXXX XXXX dispute results did not delete the account as requested. XXXX  dispute results from XX/XX/2019 removed and deleted this same account. This is the 3rd request to XXXX XXXX to remove the following account from my credit report as soon as possible. 

Waypoint Resource Group Account XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX {$170.00}
Consumer complaint received 2019-06-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing purchased my second position mortgage in XX/XX/XXXX. I have been making extra payments to principal since that time. SLS seems to be charging excessive interest since this time, as my current balance is much higher than it should be. I have called SLS and talked to XXXX ( 3rd level ), XXXX and one other person on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, these employees promised a cash analysis ( showing how my payments are recorded by SLS and how interest is charged ) would be sent to my home address within 5 business days. I have not received any such document from SLS as of XX/XX/XXXX. I will pay off the mortgage immediately ( as I don't trust SLS ) but the balance is much higher than it should be do to excessive interest charged by SLS and they will not show any justification. I attached tax statement documents from them that show erratic interest charges. Such as {$2100.00} interest paid in XX/XX/XXXX, {$0.00} in XX/XX/XXXX ( no document sent to me for that reason according to SLS ). {$1500.00} in XX/XX/XXXX and then {$6500.00} in XX/XX/XXXX. These widely different interest paid amounts on these tax statements make no sense. SLS is cheating me and then lies to me on the phone when I ask questions of them.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX {$310.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I am attempting to place security freezes on my credit report with all reporting agencies. Although some make it much harder than it should be in the internet age, I was able to accomplish this task with all three of the majors as well as XXXX, XXXX, XXXX, XXXX and XXXX XXXX ( at least I was able to accomplish the request ). 

MicroBilt/PRC bounced me around through several points of contact before I found a document containing the following : Requests for a security freeze should be submitted via certified mail to MicroBilt / PRBC, Attn : Consumer Affairs Department, XXXX. XXXX   XXXX, XXXX, GA XXXX, and must include all of the following : a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code ; your full name including middle initial ( and generation such as JR, SR, II, III ) ; full current mailing address ; date of birth ( month/date/year ) ; previous addresses for the past two years, Social Security Number ; and a phone number where you can be contacted. Please be sure to include one copy of a government issued identification card, such as a drivers license, state ID card, military ID card, etc. ; and one copy of a recent utility bill, bank or insurance statement, etc. 

If this service is federally mandated to be free to anyone ( even if you haven't yet been the victim of identity theft ), how can " a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code '' be a requirement for the request?
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I am a victim of the scam and I want both XXXX and Wells Fargo to work together to remedy the situation. In XXXX this year, I tried to sell my car ( XXXX  XXXX XXXX XXXX on XXXX at {$1200.00} and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX, which now the XXXX  XXXX XXXX has formally confirmed as fraudulent ( see the attached XXXX  XXXX XXXX response to my CFPB complaint # XXXX ). When I received the check on XX/XX/XXXX and immediately deposited it into my XXXX  XXXX XXXX account, the buyer told me that by mistake she sent a {$3500.00} check including the fee for the mover that she hired ( {$2200.00} ).  She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the Wells Fargo account of the mover named " XXXX XXXX '' via XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX, which I did on XX/XX/XXXX. When I realized that it was a scam, I immediately contacted XXXX and also Wells Fargo about the scam. Fortunately, the scammer got back to me complaining that the mover 's bank account at Wells Fargo got blocked. However, neither XXXX nor Wells Fargo has opened an internal investigation and made an arrangement to get the money back to me. I am attaching five documents : 1 ) the XXXX  XXXX XXXX 's response to my CFPB complaint ; 2 ) my original FBI report ; 3 ) my supplemental FBI report reporting the blocking of the scammer 's Wells Fargo account ; 4 ) my local police report ; and 5 ) all evidence of communication with the scammer.
Consumer complaint received 2019-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NH)

My husband XXXX XXXX, scheduled an online payment of {$460.00} for XX/XX/19. Ally Financial processed the payment as {$1700.00}. We notified Ally on XX/XX/19 of this error and they processed a refund request confirmation # XXXX for {$1200.00}. Which would be the {$1700.00} - {$460.00} that the online payment was suppose to be. We were contacted XX/XX/XXXX and told that the refund would have to be for the full amount of {$1700.00}. We spoke to Supervisor XXXX, she processed confirmation # XXXX. On XX/XX/2019 we again were contacted by customer service and now told they are refusing to refund the amount because account would be 90 days delinquent. We stated that we would be making 2 payments immediately upon receipt of funds. They did not care and absolutely refuse to return funds. Even though we informed them that this mistake has caused us numerous issues at our bank.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OR)

XXXX XXXX STORE CREDIT CARD # XXXX-XXXX-XXXX WHEN ATTEMPTING TO PAY MY BILL ONLINE, I HAVE EXTREME TROUBLE LOGGING IN. MY PASSWORD IS NEVER ACCEPTED. I CALL THE CUSTOMER SERVICE AND THEN THE MANAGER ON THE DUE DATE TO EXPLAIN THE PROBLEM. I MAKE THE PAYMENT, BUT I'M STILL CHARGED A LATE PAYMENT FEE. I'VE ASKED THEM TO TAKE OFF THE LATE CHARGE THAT SEEMS TO COME EVERY MONTH NOW. AND I'VE ASKED THEM TO CANCEL MY ACCOUNT. THEY SAY THAT IF I CANCEL MY ACCOUNT - THEY WON'T TAKE OFF THE LATE FEE. ALMOST IMMY THERE IS ANOTHER LATE FEE, EVEN IF I DID NOT CANCEL MY ACCOUNT. I WOULD LIKE TO CANCEL MY ACCOUNT WITH XXXX XXXX AND HAVE THESE LATE FEES EXPUNGED.
Consumer complaint received 2019-06-01
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ascendium Education Group (FL)

I have a student loan through XXXX XXXX who has a lawsuit against them. I agreed to pay a specific amount and have been paying. They transferred my loan to XXXX who has a lawsuit against them. They stopped accepting my money, started sending it back to make it look like I have not being paying I have a number of different companies calling me claiming they are the department of education and asking me for money. 

When I call both XXXX XXXX and XXXX, I am told I have a XXXX balance and the company call me is not associated with them and they have no idea who they are. This company who has all of my information references XXXX XXXX and XXXX. 

I believe this agency is a debt collect who access data bases and takes it upon themselves to collect and contact the parent loan people after they are successful in getting people to pay.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation (GA)

I lost my card and reported it lost. I advised the RepresentativeOver the phone my new address and she said that my card would be mailed to XXXX XXXX XXXX in XXXX, GA XXXX. When I called to verify I was told three days later that I needed to send over documentation proving my address. I sent over three documents to from XXXX XXXX and one from XXXX County water Authority. I was advised that neither of those documents were Acceptable. This company is trying to hold my money and not send me a card the documents that I sent over all had my name date and address clearly on all three documents.
Consumer complaint received 2019-05-09
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. (MI)

In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX XXXX says that they sent ONE letter in XXXX of 2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.
Consumer complaint received 2019-06-02
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)

XXXX XXXX  PULL THE WRONG BUREAU, MUST PULL XXXX   ONLY, ALSO, XXXX XXXX, COMENITY.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

Venmo is a scam organization. they are keeping my funds since many months! they stole {$7000.00} from me. on XX/XX/XXXX they send an email that I can finally withdraw my funds but untill now their system is not allowing me to add a new bank account! I messaged support they claim the account is closed and do not bother to say how I get me funds. they act like the money belongs to them now! 
I send several emails NOW THEY STOPPED REPLYING!!!!!
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2019, I used my American Express membership benefits to book travel through American Express ' portal. XXXX advertised flights to XXXX from XXXX for {$880.00} for 2 people including travel insurance. Before booking I checked the " Baggage Fees '' tab to see that the carry on and first checked bag showed " No fee ''. This made the advertised price a good deal, as it seemingly included baggage which if I had booked directly with the airline, would have cost me more money. I proceeded to book the flights with the insurance. 

On XX/XX/2019 I decided to check everything on XXXX XXXX 's portal to make sure all of my information is correct, and also to add in my passport information. I came to find that my booking had no luggage associated with it. This is when I initiated a call with American Express to find out what happened. The call started at XXXX and lasted 39 minutes, no extra information was able to be gained during this time and I was told to call back later. At XXXX I called again and spent 14 minutes on the phone explaining the situation before getting disconnected. I was called back at XXXX and spent 4 minutes on the phone being told that there is nothing that can be done and to essential deal with it, I asked to speak with a supervisor and was placed on hold before being disconnected again. This time with no call back, I believe the representative terminated the phone call. I reinitiated a call at XXXX which lasted 40 minutes. During this time I explained the situation once again and the representative connected me to a supervisor. This supervisor 's name was XXXX she explained that she has heard of this issue before in almost the same circumstances. I throughly enjoyed being assisted by XXXX and felt she actually cared about my situation. I told her I had a screenshot showing the no fee advertisement and she requested I send that to her which I did at XXXX. XXXX said she would file a case and attach the screenshot but warned me it could be some time before I heard back as I do not travel for 10 months, not a problem. 

On XX/XX/2019 at XXXX I received an email from another supervisor ( XXXX ) asking to resubmit the screenshot as they can not view photos when posted in the body of an email. I resent the screenshot at XXXX on the same day. XXXX emailed me back at XXXX stating that I can not be compensated at this time and that I must fly, pay for the baggage out of pocket and submit the invoice for review by upper management after my vacation, with no guarantee that I would be compensated. I replied at XXXX stating that American Express is false advertising and that I will be filing complaints with CFPB and the XXXX. 

That is the end of my correspondence with American Express over this issue.
Consumer complaint received 2019-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

cfpb complaint # XXXX XXXX responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with non-monetary relief Company 's Response MrXXXX XXXX, We have requested that the derogatory remark be removed from your credit report. 
DESCRIPTION OF NON-MONETARY RELIEF Account will be removed from the credit report. 

XXXX stated they will remove the remark but Transunion stated It will stay on as of XX/XX/19
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I have been trying for two days to get in touch with Equifax to temporarily unfreeze my report. When I called they said they were having issues with the accounts/website and to call back later. I have been on hold for 2 hrs trying to call them back because I can not access my information by phone nor by the Equifax website to remove the freeze. 
I have a mortgage loan application pending and need this to be done ASAP
Consumer complaint received 2019-09-18
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. (DC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.
Consumer complaint received 2019-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted progressive leasing and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with XXXX, XXXX, and Transunion which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX, 2018, Bank of America sent to the company of which I am a authorized user of a credit card in the name of the XXXX XXXX, a request for information to update their file. I filed this information twice through a branch store, which verified receipt of the information by the corporate office. At the time of filing this information, the bank had frozen any transactions to the account and had closed the account, despite the company having used this account for credit for a number of years with no evidence of delinquency or late payments. The reason given for closure was that the bank had no individual social security number on file as a guarantee of payment. This account had been active for years with no such requirement nor was there any reason for such a request, given the excellent payment history of the account. The XXXX XXXX is a 501 ( c ) ( 7 ) nonprofit organization that operates community pools and a clubhouse. Its governing board is composed of volunteers who are understandably reluctant to furnish a personal social security number to the bank. The members of the governing body feel that the bank has unfairly targeted this account for closure for no reason under normal business practices and request that the account be reinstated.