davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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: FIFTH THIRD FINANCIAL CORPORATION (TN)

Mastercard issued by Fifth Third Bank was cancelled without ANY notice given whatsoever. Not written, by Email or Phone notification. There was no balance on this card as I have not used in a couple of months but when I went to make a purchase card was declined. Not knowing why, I was unable to contact bank. I only realised after my credit reporting notified me the card account had been closed. Apparently this is the way the consumer is treated by these banks during the worst Pandemic in anyone 's lifetime. It is unconscionable and disgusting way be treated this way. These banks should be ashamed and embarrassed. I can only imagine how they treat their other customers who may be less financially stable then myself.
Consumer complaint received 2020-04-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX I was facing a foreclosure. I was working with the bank to stop the foreclosure. I had a family emergency and when I retured home my house was locked with a pad lock. I called nationstar/mr.cooper to report this at the time XXXX XXXX  was helping me he gave me the pad lock information to go into my house. Upon entering there was things missing I told XXXX that things where missing I let him know that the patio door was bolted and damaged. I followed the steps he told me to but was denied any repairs and funding. I was working on refinancing my house but turned into a modification I was told my ex husband was going to be removed and my ex husband was told the same. My ex husband was trying to sue me over this mistake made by the bank. I have been trying to refinance since this mistake and now XXXX I'm calling constantly and I'm being told my account was closed due to someone leaving a department and not filing my case correctly. Or I'm having like 3 people in a month who make me repeat why I want to refinance my house. My credit is being pulled 2x to 3x a year. When I call I'm being told that my income will be verified or that they have to ensure my income can be used. I was told that they would contact my credit to let them know that few hard inquiry need to be removed, yet they have done nothing at all to fix this. I've been dealing with too much to keep having people brush me off. My income was the only income that I had in XXXX to modify my loan. My ex husband was clear about getting his name off. Now I'm facing him wanting to sue me for a mistake I didnt make.
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 — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is showing that 2 of my accounts with them as being closed. they are showing that these accounts are in Chapter XXXX and /or that they have been discharged. 

These accounts are not in Chapter XXXX and nor has any one of them has been discharged.. 

First they were showing these accounts as being delinquent, but they were never delinquent. The status of these accounts should show that they are open. 

This is my second attempt to get this corrected, but Wells Fargo is playing some sort of game with this issue.
Consumer complaint received 2019-12-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$16000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account.
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I wrote a check to a payee and mailed it to the payee on XX/XX/XXXX, the check was cleared on XX/XX/XXXX. The payee informed me on XX/XX/XXXX that he never received the check. We submitted a request to Chase bank regarding the lost check on XX/XX/XXXX but as of XX/XX/XXXX we are being told every time we called the bank to check on status that the clearing bank XXXX XXXX XXXX XXXX XXXX has not responded to the request.
Consumer complaint received 2019-12-01
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: PNC Bank N.A. (IL)

Hello, Hope all is well. I was charged double by a movie theatre - XXXX XXXX - XX/XX/XXXX - for tickets I bought online. There is no reason I would pay 2 times for the same movie, on the same time, at the same night, for the same seat. I opened up a claim in about a week or so after seeing the charge. 

I opened a claim with my credit card company to get a refund as I did not authorize payment but it was subsequently closed for no reason. 


The claim id or reference number is : XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX {$120.00}
Consumer complaint received 2019-10-18
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)

Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$470.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 
XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 
XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 
However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.
Consumer complaint received 2019-10-18
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. (NY)

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX XXXX XXXX, XXXX XXXX   AND XXXX XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTERS THEY SENT TELLING ME THAT THEY SOLD THE ACCOUNT. YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE THREE CREDITORS THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING.
Consumer complaint received 2019-08-30
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. (TN)

To Whom It May Concern : I am writing this complaint today because Experian credit bureau has violated my rights. I have sent them, on several occasions, letters to validate the debt that they allege that I have. They have not at any time resolved or answered the validation debt letter I requested from them, certified return receipt, within the 30 days allowed for them to do so. 



Experian sent me back a credit report after 30 days stating that they updated the information 3 times. I responded with a letter for them to validate that information and to provide me with the steps that they took to validate the information on the alleged debt 3 times. I knew there was no way that they could have validated the information with the Creditor because I had already sent out a letter to the Creditor asking them to validate the information that they are saying that I owe or remove it from my credit report pursuant to the Fair Debt Collection Practices Act. The Creditor failed to do that on several occasions themselves. The next step was to notify the credit bureau Experian to validate the debt that's on my credit report, which I did. They have failed to provide me with that information still today. I have been going back and forth with them for over 6 months and I still have not been given any information or validation of debt from the Creditor or the credit bureau. As you will see by the green cards I have attached, Experian has had ample time to do their job which they have not done. They have violated my rights on several occasions and it is not fair that they continue to get away with it without any repercussions. I would appreciate it if you could please assist me by having Experian follow the federal law which they have violated on several occasions. At this point in time they should have removed the information from my credit report when it was not validated or truly investigated in the 30 days that they were allotted by federal law. It is now been since the summer of 2018 and I am still in the same situation and they are affecting me from being able to provide a roof over my family 's head because of their disregard to follow federal law by keeping inaccurate information on my credit report without any validation. 

I have attached some green cards and letters that have been sent out to Experian I travel a lot and have ad some trouble finding some of the green cards and some of the letter sent. 



Please help me resolve this situation ASAP as I am very concerned that this will affect my family in ways that I will not be able to control. 



Sincerely,
Consumer complaint received 2020-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC (IL)

Took out a {$570.00} loan on XX/XX/XXXX total debt to repay was {$1300.00}. Made bank draft payment of {$480.00} and wages garnished totaling {$940.00}. Monies paid on loan {$1400.00}. Contacted the company to ask why was I sent a wage garnishment letter on XX/XX/XXXX stating that the amount remaining was {$720.00} to be garnished but 4 months later, they sent a wage garnishment letter on XX/XX/XXXX that {$1200.00} was the amount to be garnished. I contacted AmeriCash Loans and revoked the wage garnishment in XX/XX/XXXX. Then on XX/XX/XXXX I contacted AmeriCash Loans and I was transferred 4 times before I got Ms XXXX and she proceeded to tell me that they regenerated the interest in XX/XX/XXXX. Then on XX/XX/XXXX, I complained to the Attorney General of Illinois and Missouri and then on XX/XX/XXXX I received a letter date XX/XX/XXXX from AmeriCash Loans that I still owed them {$790.00} on the {$570.00} loan. If I have paid {$480.00} in bank drafts, another {$940.00} in garnishments totaling {$1400.00} when debt owed was {$1300.00}. If they add another {$790.00}, that's {$2100.00} on a {$570.00} loan, which is 374 % in internet. The debt havs been paid in full and AmeriCash is still trying to collect more interest that they purposely keep regenerating.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

001. Harris and Harris - XXXX XXXX. Harris and Harris - XXXX Harris and Harris has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.
Consumer complaint received 2020-06-23
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: Siggi LLC (FL)

I have an account over XXXX years old that is still showing as a charge off it said it would be removed XX/XX/XXXX and when I called they said it would be removed and its still showing. No one seems to care and I need it gone.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

On XXXX XX/XX/2020, I applied for a loan with XXXX for a student loan refinance. The lender denied my application for the following reason : Your credit score : XXXX Date of score : XX/XX/2020Key factors that adversely affected your credit score : Lack of recent bank/national revolving information ( I have 2 XXXX  Credit Cards  on my credit ) Length of time accounts have been established Proportion of loan balances to loan amounts is too high ( My Credit usage is 1  % ) Serious delinquency ( None ) Per Experian member in addition to reviewing a copy of my Experian report, none of these negative factors are present on my credit report yet these negative factors are reported to lenders I have 2 national revolving credit cards from XXXX XXXX XXXX My length of credit history is 18  years Proportion of loan balances to loan is low. My Credit usage is 1  % I have no serious delinquency on my credit I contacted Experian and the customer service agent confirmed that none of these negative factors are on my credit report. Yet Experian did not offer any remedies to correct these discrepancies. Experian offered to send me another hard copy of my credit report which I already have. This discrepancy has impeded me from getting the refinance loan for which I applied. 
Thank You
Consumer complaint received 2020-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Good Afternoon, My name is XXXX XXXX, my family and I have been trough a tremendous hardship, both my husband I have medical issues. I was diagnosed with XXXX first and shortly after my husband was diagnosed. We tried several times to no avail for a modification and then tried to sell property as a short sale. Lender claims that since 2 appraisal was done and they can not do any more as per HUD guidelines. The problem being property value has decreased significantly and last appraisal was done over 6 months ago. The last appraisal came in at such a high value as well with no decrease based on the property damage and repair. I am asking for some help for them to just send another appraiser over so they can see themselves the property condition and value it accordingly. Last appraisal came in for {$XXXX}. I'm attaching the value sent by a XXXX. This value is based on no damage to the property. Please I am asking for some help. 

Regards XXXX XXXX
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
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: 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 {$910.00} XXXX XXXX XXXX   XXXX {$920.00}
Consumer complaint received 2020-04-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

hello, i have a capital one credit card. my payments were not being updated on my XXXX  report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my capital one account. the account is still active and being used. the deletion does not show on my XXXX  report, only XXXX. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with XXXX, who sent me to capital one, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.
Consumer complaint received 2020-04-27
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. (MD)

There are inaccurate items on my credit report. Inaccurate dates and amounts. I asked TransUnion to please provide me with the documentation they used to investigate my complaint. They refuse to send me the information or show me their method of verification.
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2020-04-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I had a Bank if America XXXX XXXX  Visa card where for 6 months I called/faxed/completed numerous auto pay forms. 
I was told auto pay was set up in XXXX, would take 60 days to " activate '', called XXXX XXXX XXXX to confirm and was told auto pay was active and activated. 

I was then charged fees when it did not " auto pay '' correctly, and reported as 30 days late. I called to dispute and all fees and interest were reversed as it was plain as day there was an " auto pay error '' = it should have processed the payment from my asset account linked with auto pay that had funds available. But it did not. 

Please see the ledger notes confirming " bill pay error ''. There are a total of 58 comments on the ledger.