davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
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. (GA)

I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC and XXXX XXXX XXXX are trying to bill me with accrued interests and fees for a debt over 7 years and already written off by the bank and off my credit report per FCRA, and ECOA ( regulation B ). 

The last time they tried to bill me in XX/XX/2017, I filed a police report for fraud because someone had stolen my Drivers License, Social Security and checks from a house I rented at the address where the account was opened.

They took the account of my credit bureau and off my person now almost 2 years later I get this bill from Portfolio Re covery Associates, LLC with a bill from XXXX XXXX XXXX for an account over 7 years old, off my person and off credit report per FCRA & ECOA and already reported as fraud and taken off by the bank.
Consumer complaint received 2019-01-29
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: EQUIFAX, INC. (NJ)

I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.
Consumer complaint received 2019-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I spoke with you guys regarding items on my account that are not mine. There are two accounts that are still on my credit. XXXX XXXX XXXX XXXX and XXXX. Please remove these two accounts from my credit report.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc. (NY)

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 - 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 accounts listed below.
Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am in the receipt of Bank of America Home Loan Regulatory complaints team letter dated XX/XX/2019 for complaint # XXXX that they didn't respond to online. I have an issue with them stating that they sent me correspondence on XX/XX/2019 even though I didn't receive anything from Bank of America until XX/XX/2019 in which I spoke to XXXX XXXX and he sent me an email so that I could send him all documents so that the bank actually process the paperwork since they didn't do it the first time when it was submitted in XX/XX/XXXX. I emailed him all the requested items on XX/XX/XXXX and Mr. XXXX requested even more stuff on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX all answered and sent as many times as requested. I was told the bank had all the paperwork it needed and was sent to the underwriter last week but still was asked for more documents on XX/XX/XXXX and I sent them right away. Bank of America is not treating me fairly or honestly with dealing with this loan. It will be time to sell this house on XX/XX/XXXX and they will still be asking for documents. If I don't qualify for modification then a short sale or other option should be made available and they need to approve a short sale amount. Bank of America is not dealing fairing with me due to the discharge of bankruptcy and the fact that this loan is FHA and insured by HUD so they don't lose as much as I will if we get put out. We will be homeless and the bank will have its cash flow. I want the bank to deal with me fairly and start responding to my request for help and stop saying I haven't sent in paperwork. I have given them everything they could need to do what they need to do and respond fairly.
Consumer complaint received 2019-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I received a call from XXXX on XX/XX/XXXX @ XXXX. They also called from XXXX on XX/XX/XXXX @ XXXX. I have asked them during both calls to stop calling but the calls persist, all from different # 's. I did tell them they are only allowed to send written mail, no phone calls. During the latest mentioned incident, she said they are allowed to call, despite me asking them not to.
Consumer complaint received 2019-01-28
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. (NC)

XXXX credit reporting a " charge off '' account XXXX {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MD)

I am trying to link my account to XXXX  and to XXXX but PNC doesn't allow linking to these 3rd party apps even with my authorization. I do not understand why. I would like to be able to use these 3rd party resources to help manage my money.
Consumer complaint received 2019-01-28
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. (NC)

I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being XXXX I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
Consumer complaint received 2019-01-28
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 (NJ)

Ref : XXXX - card ending XXXX American Express Gold New card was opened as a brand new customer of the product ( never had this Gold card previously ) on XX/XX/XXXX XXXX XXXX. Referred new customer sign-up bonus was presented as XXXX MR ( Membership reward ) points for spending {$2000.00} or more within 3 months from approval date. My bonus eligibility was triple-checked using Amex 's own bonus/application eligibility checking website tool. It went through perfectly without rejections or warning notices about not getting bonus. Referred friend who introduced this product to me got his XXXX MR referral points. So, they know which product and bonus I signed up for. For XX/XX/XXXX approval, my physical card was shipped out on XX/XX/XXXX with major delay and finally received XX/XX/XXXX. Right upon receipt of the card, I called Amex service team and double-checked my bonus eligibility requirements and deadline and amount. I even requested for spending extension due to late arrival of the card. The service agent said it is still ok because I have 92 calendars days to spend {$2000.00} and ask me to call again to get extension if needed. The bonus detail was re-confirmed by the service again via phone on XX/XX/XXXX. After fulfilling spending requirement in XX/XX/XXXX and again XX/XX/XXXX ( about {$7000.00} USD ), Amex is now saying that despite fulfillment completion, due to misuage (? ) they can not issue XXXX MR bonus points to my account. They often use " misuage '' when a former customer takes advantage of receiving bonus by re-opening the same product account but my card is absolutely brand new. Never had anything like this. During application process, their own eligibility checking system failed and today is XX/XX/XXXX and they are not releasing due membership reward points to customer who satisfied all requirements. Clearly violating service agreement.
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recovery Association, LLC. (WV)

Saw that there was a collection on my credit report and called the collection company to verify. Told them I didnt receive notice or notifications that i owed anything and offered to pay in full if they would remove it from my credit completely. They said that they sent a letter and I was notified but I didnt receive anything at all. They told me that was my problem and said I needed to contact the post office. They said they would take my payment and report it as paid in full. I dont believe this is fair since I didnt receive notification. I argued with the customer service, but they were rude and didnt help me. I will pay this balance in full but I want it off my credit, I would have settled before collections but I was not notified.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX XXXX TES55228** XXXX XXXX XXXX 522126000023**** XXXX XXXX XXXX XXXX XXXX XXXX 26781** XXXX XXXX XXXX 3000017425527**** XXXX XXXX XXXX 8147**** There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. TransUnion , XXXX vs. TRW ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2019-01-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

I actually have so many complaints over the past 5 years of this loan with overpayment, not sending me statements, overcharging me interest, not doing what they say even when promised on calls, etc. So so many. But to add frosting to the cake here is what is happening as I try to pay off car that was totaled. 

I thought I had gap insurance but they said I did not. So after insurance company valued, was about {$2500.00} short ( after paying for 5 years a car that originally was {$13000.00}. After 5 years still owed {$7200.00} at time of being totally. Usery in my opinion. 

But now when I am trying to get paid off still can not get resolved even though they have had my {$2500.00} for two weeks and the insurance check {$4700.00} for one week. Telling me it will be another 4 business days even though I have called daily. It is beyond frustrating and they just don't care and can not do anything about they say. And said they are unable to send me to a manager. 

I have a car financed with them. Over the 5 year period I reached out many many times with errors to my account and to have monthly bills emailed to me. At least 30 times. Every time they confirmed my email and contact info and promised to remedy. Over 5 years they never corrected and I did not ever get an emailed statement. 

Then on top of this all, my car was totaled one month ago. After many requests, It took 2 weeks for them to get the correct form to my insurance company after multiple calls and emails from XXXX and myself. Finally they got my insurance company, XXXX, the right form. XXXX then overnighted a check to Santander who signed form and received last Tues morning at XXXX XXXX. It is now XXXX XXXX on the following Monday. 

So, one week later on Monday evening, my account was still not credited for the payment. Daily I call and each time get different XXXX they say " wrong '' information from last person I spoke to there. I am now told that it will be another 4 business days for them to credit my account. We all know they deposited the funds the same day into their own accounts and are earning interest on those monies. 

What financial company takes 8 business days ( 10 overall ) to credit my account with a check from a large insurance company? This is like stealing my money and holding it hostage. Each day I am spending {$100.00} on XXXX to go to and from work because I can not buy another car until this account shows paid. And all Santander says is they can't do anything about and sorry the last person gave me wrong information. I am beyond shocked at how a financial company can get away with treating consumers like this!
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I filed Chapter XXXX in XXXX ; Navient was listed on here and was supposed to stop contacting me while I was in repayment. They kept at me and in XXXX told me I had to consolidate my loans or they would go into default. I didn't know what to do so I did what they said not knowing any different. I found out in XXXX that this was a lie and that because I did the consolidation I was not protected from them any more. 

In XXXX I contacted Navient several times to get income based loan repayments set up. They refused to help me and said that because I had no income so they told me they couldn't set up any plan because I didn't have pay stubs so they put me in forbearance. 

Later that year the welfare office helped me find the paperwork to complete for income based repayments. I completed the paperwork and set it to them. I did not hear back from them for months. Finally I got a letter from them telling my I was missing documentation of insurance and they could not process it. I got the documentation again from the department of welfare and sent it to them. 

I didn't hear back from them and I called many times. Every time I called I was pushed around to other people and hung up on. I had no idea what to do. Then in XXXX I get a letter that the Department of Education has my loan and I am in default. 

For the past 4 years I have been taking care of my XXXX son and working when I can. I have tried numerous times to work out a payment plan that works with my income. Navient has not only lied to me ; they have treated me terribly. The department of education who is the new servicer of my loan could care less. So now they sent me a letter telling me that my loan will be offset by my tax return. 

I wanted an income repayment plan that worked with my low income.I am on welfare due to how little I make. I am doing my best here and I have tried to take care of this. My tax return may not be big but that helps with my sons expenses. 

How can I get this fixed? I am desperate here ; I feel that no one cares and I was pushed into a situation that I had no control over.
Consumer complaint received 2019-05-29
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. (FL)

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXX;XXXXXXXX
Consumer complaint received 2021-09-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a letter to Equifax disputing an account that is false being reported on my account. The account in question is - XXXX XXXX XXXX XXXX XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NY)

Company has been calling for months claiming to represent Chase Bank, They have my social security number and offer a settlement of XXXX bucks even to stop the calls. 

XXXX is the number they called from today at XXXX on XX/XX/XXXX When I ask them who they are, why they do not read me my rights as a consumer or why they swear when they talk.. they hang up.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-29
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. (FL)

Please reverse the late payments reported on the following accounts : XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.