davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-03-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Improved Data Services LLC (WI)

Beginning in the middle of XXXX, I was contacted by Improved Data Services, and told that my account with XXXX XXXX was placed in the office of XXXX XXXX XXXX, which was the client of Improved Data Services. 

I was then told that I had 24 hours to come up with {$1200.00} to stop XXXX from taking me to court and garnishing my wages. I explained that I did not have {$1200.00} to put down as a " down payment '', but I would like to enter into a payment plan with them on a monthly basis. 

I was told that what I offered monthly XXXX {$150.00} ) was not acceptable, and I would have to come up with at least the {$1200.00} and {$120.00} biweekly ( the cost of the orignal loan payments ). I had 24 hours to see how much I could come up with. Or my wages would be garnished. 

I was able to come up with {$500.00} and this was suddenly an acceptable an amount as the " downpayment '' - and then I'd find a way to do the $ 124/biweekly. But now I've tried to talk to the reps again and can not do the biweekly payments of the {$120.00}. I'd like to set something else up, but am told that this is not acceptable. 

I'd just like someone to work with me - I want to make payments, but am struggling, and no one will listen.. just threaten to take me to court.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

An application for refinance was submitted on XX/XX/2020 by Mrs. XXXX. A {$500.00} fee was paid to the loan officer who  guaranteed an approval. The company has dropped the ball in several occasions and failed to keep an open communication with the consumer to let her know the status of the application. Consumer has done several attempts to contact the company to know about the status and calls/emails hasn't been received. Consumer would like to obtain a refund of this fee as the company has failed in innumerable occasions to follow through with the process impeding the consumer to continue with another lender. Another complaint was already issued against the company and they promised to better serve consumer through this process however, this hasn't occurred.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Keep receiving call from an unidentified number. Every time I answer they dont answer or when they do.. they wont speak with me until I give them my address, ss, etc. 

Call from XXXX ( ID : account services/XXXX NC ) ( them ) XXXX? 
( Me ) Whos calling please? 
( then ) is this XXXX XXXX? 
( Me ) Can you please tell me whos calling. 
( then ) No, I need to speak with XXXX XXXX ( Me ) Yes, how can I help you. 
( them ) Where do you live? 
( Me ) Sorry.. who am I speaking with ( them ) What is your address sir ( Me ) Sorry, I dont give out personal information to strangers. Who am I speaking with? 
*They hung up. 

.. 
I call the number on my phone ID ( then ) service identifies themselves as Portfolio services. 
I wait for representative ( Them ) hello, what is your name, ( me ) XXXX XXXX. Why are you calling me.. XXXX XXXX . 
( them ) I didnt call you .. you called me ( me ) I just received a call from this number. After I woldnt give address thye hung up. So I called you.. Why are you calling me? 
( them ) what is your number. 
( me ) XXXX. Why are you calling me. 
( them ) what is your social sir. 
( me ) I dont give out personal information to strangers. Please identifyi yourself. 
( them ) we need to confirm your identity. 
( me ) you have records you just called me. My number is x.. my name is x.. how many XXXX do you call at this number? 
*Again, they Hung up After some research I see on my credit report : Portfolio recovery/XXXX. I believe this is XXXX XXXX who have never contacted me.
Consumer complaint received 2020-08-25
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 told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00}
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute  XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXispute XXXX XXXX XXXXSDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXSDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got an email from Capitalone this morning at XXXX PST saying Capitalone had decreased my credit limit from {$9500.00} to {$2000.00}. I have had this card for over 15 years. I grew it from a {$300.00} credit limit to {$9500.00}. They charge me a $ XXXX  monthly fee to keep the card. Thats {$60.00} a year even though they advertise that its a {$39.00} annual fee. Thats a clear UDAAP violation. I let that go and now theyre taking advantage of me again. They are taking advantage of anyone with subprime credit and needs them to build credit. I pay my bill on time. I have 100 % on time payment history and never exceeded my credit limit in spending. I called and asked if there is anyway to remove the annual fee and they said no. I want capitalone to stop taking advantage of me. My credit is no longer sub prime. I am now a super prime customer with over a 750 credit score. Yet, they wont upgrade my card to a no annual fee option. Now they take away my credit limit ; increasing my overall credit usage and decreasing my credit score. We are in a pandemic and they are causing me financial pain. As a result of this decrease, my credit score dropped 50 points. They forcibly converted my account to this {$60.00} annual fee card years ago. Now Im being punished for having it. The rep on the phone told me that Capitalone went through my account and decided to decrease the limit. That sounds like I was singled out and discriminated against. Capitalone is ruining my credit. They wont give me a better credit card with no annual fee and they reduced my credit limit to display power and control against me because I have their subprime card. Even though I am no longer sub prime. Its unfair and abusive.
Consumer complaint received 2020-08-25
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 told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00}
Consumer complaint received 2020-08-25
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 told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXXXXXX {$6900.00}
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Consumer complaint received 2020-07-24
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. (TX)

XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of XXXX, i filed a dispute with XXXX and TransUnion credit bureaus about the unverified account : XXXX XXXX  account # XXXX. In those two months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today XX/XX/2020. Thank you
Consumer complaint received 2020-08-25
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. (GA)

I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).
Consumer complaint received 2020-07-24
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)

XXXX XXXX XXXX is reporting inaccurate information on my credit report. Company was unable to provide or validate the debt and has not removed the inaccurate information.
Consumer complaint received 2020-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Toledo, Inc. (OH)

Sent information disputing validity of debt to XXXX, XXXX and XXXX. All debts still remain on my credit report. It has been well over 30 days, and company has not responded to my communication requesting validity per my rights under the fair debt collection practices act. With this violation being apparent, Finance Systems of Toledo needs to remove this debt from all three of my reports with all three of the credit reporting agencies, and cease contact with me immediately.
Consumer complaint received 2020-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I purchased tickets on XXXX XXXX in XX/XX/XXXX for a flight in XX/XX/XXXX, for $ XXXX. 

XXXX XXXX cancelled my flight in XX/XX/XXXX. 

XXXX XXXX refused to refund my money, and instead offered me a worthless credit on their worthless airline. 

I initiated a complaint with Bank of America. Bank of America conditionally refunded my money ( see attached document highlighting their conditional credit ), but then when XXXX XXXX responded with granting me a worthless credit on their worthless airline, Bank of America decided that was good enough for them, even though it was clearly not what I purchased! If I wanted a credit on XXXX XXXX, I would have purchased a credit on XXXX XXXX. Instead, I purchased a flight on XXXX XXXX, but all I got was a worthless credit on their worthless airline. 

Bank of America refused to refund my money, stating that I could not receive a refund if the merchant had offered me a worthless credit on their worthless airline. Instead of siding with me as the customer, they sided with the merchant, who obviously had failed to deliver the purchased service. 

US Law requires that flights to or from the US must be refunded if the flight is cancelled. 

I demanded my money back from Bank of America. They refused. 

I need my money back!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wi
llful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitatOne sent me a quick respond and closed out my case. They lied and pretend as if they are not aware of what my original complaints where. 

They refuse to remove the Hard inquire from all three credit bureau and that is ultimately what I needed them to do. I don't even care about increasing my credit with them because I will be closing that account. I refuse to do business with thieves and liars. 

CapitalOne is still being fraudulent in their dealings with customers. In the letter sent back to me my credit score was incorrect per their own platform.
Consumer complaint received 2020-06-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (TX)

Hello, In XXXX of XXXX, I wsa laid off due to COVID-19 epidemic. I called in to Homebridge Financial and was placed on a forbearance due to what occurred. In XX/XX/XXXX, I called back in to Homebridge in  order to see what my options were to catch up on my mortgage as i found employment again, I was told to the forbearance would be extended until end of XXXX so I can have time to get some paystubs in for review. In XXXX, I called in multiple times and was told just to send in financial documents to be reviewed for options. Also in XXXX, i read online that FHA had a program that specifically helped homeowners who were affected by COVID. This program is called a partial claim. I was not informed by anyone at the company, only from someone I knew and because I looked at the program online. I have called multiple times in the month of XXXX and the only thing I was informed of was a modification review when I asked about assistance. I finally got a hold of a young man on XX/XX/XXXX with whom I had to ask about the partial claim and he took his time and helped to submit this for me. He specifically said to me the review would take 3-5 business days and I would get a letter in the mail. 

I have called two more times to the company and no one seems to know what is going on. I asked about the review and I have been told different time frames each time and that the department is backed up and give them more time. i even spoke with a young lady on XX/XX/XXXX and asked about the review. I told her my main concern is that the forbearance is ending and I still don't know what the next steps are. She told me not to worry and it was going to be okay. 

My biggest concern here is the lack of knowledge by each representative that I have spoken to. The timeline before the forbearance is ending is being cut each day and we don't have an answer. I have no faith in this process as no one knows what the other person says or what is going on. There is no consistency. I don't even have a single point of contact to speak with in order to know what all my options are. I would like a clear understanding of what is going on and what are my options in order to try and stay in my home. The level of service I have experienced with Homebridge has been horrible.
Consumer complaint received 2020-08-25
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: JPMORGAN CHASE & CO. (NY)

I was late on the final payment of an auto loan, and now my account shows a delinquency. This impacts my credit score as I look to refinance my mortgage. Other than this, my wife and I have a pristine credit history. This is not a financial issue as my wife and I have more than sufficient assets.

I had a XXXX XXXX XXXX  5 year loan financed through JPM auto. I thought that my last payment was for XX/XX/XXXX, as I had received letters indicating such ( which are now long gone ). Some confusion between XXXX XXXX XXXX and JPM Auto. My mistake, apparently. I own this error, but extenuating circumstances As of XX/XX/XXXX, we left XXXX due to Covid and have since been at our weekend house. At the end of XXXX, my wife picked up the mail in the City. This is how I learned that I still owed another payment. I made that payment as of XX/XX/XXXX and JPM released the lien on XX/XX/XXXX. Therefore, loan was paid in full. 

I can send all documents if there is anything that can be done. 

The problem is that JPM reported this 30 + day late payment to the credit agencies. Therefore, dropping the credit score for me and my wife by over 50 points. This is relevant as we are looking to refinance a mortgage, and our credit score impacts the rate. 

As you might understand, a Pandemic is a pretty good reason to make such a purely accidental payment error. I spoke to JPM. They refuse to send a letter explaining ing such to the credit agencies. 

I spoke to XXXX. They said that JPM could send a letter explaining the situation and noting that the account is paid in full and that Covid was the primary issue for this error. 

JPM says that they have reported the incident per legal requirements and their obligation ends there. This error will now follow me around for 7 years. 

Is there anything that can be done? Seems rather unfair. 

Account Number : XXXX VIN : XXXX