davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

On XX/XX/2022 a collection account of {$1200.00} by I.C. Systems was placed on my XXXX credit report. I contacted I.C.sytems on XX/XX/2022 and XX/XX/2022 via telephone was told they would investigate this as fraud, at this time they would stop collections. I reached out to XXXX  voicing this was fraud/identity theft. And sent proof showing it was fraud. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT.
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (AZ)

I contacted all 3 credit reporting agencies and all 3 told me that inquiries are permanent and can not be removed. I explained that they are not legitimate inquiries and that this has happened to me before when I was in the military where someone repeatedly tried to get credit in my name. They told me that there is nothing they can do about the inquiries. 

I called multiple times only to get the same answers and I submitted online disputes but they have not corrected this. 

The inquiries include XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, I completed a Penfed loan application with a locked interest rate of 2.375 % and a lender credit of {$2600.00}. On XX/XX/XXXX, XXXX XXXX, my load officer from Penfed, requested that I submit additional military documents to the Penfed loan office. After calling Penfed XXXX number on XX/XX/XXXX, I was made aware Penfed canceled my appraisal status, and XXXX XXXX did not notify me of these changes after numerous requests of my loan status via phone calls and emails. Neither my real estate agent nor the seller 's real estate agent knew that Penfed withdrew my loan application on XX/XX/XXXX. 

I was only given twenty-four hours to obtain the documents and needed for Penfed to approve the loan for approval before Penfed rejected my application. I have XXXX days to produce these documents before Penfed cancels my application. On XX/XX/XXXX, during a conversation with XXXX XXXX, I was informed that XXXX XXXX, a Penfed employee, negligently withdrew my first loan application on XX/XX/XXXX. If I was notified sooner I could have used my financing contingency clause to not lose my earnest money and walk away or seek another financial institution without any damages. I feel that I was baited with a lower interest rate then wrongfully pushed in to a corner, having my choices eliminated due to the action of Penfed and its agents. The way the current deal is structured today with 2.625 % interest rate, paying an originations charge of {$740.00} and only getting {$1000.00} lenders credit. I will end up paying out thousands of dollars more over the life of the loan to the benefit of PenFed. 

Buying a home should be a joyful occasion, but Penfed 's lack of communication has turned this experience into a negative experience for me. I chose Pedfed base off of the original terms of the contract. I should be made whole by Pendfed honoring the original terms, including the 2.3 % interest rate and the {$2600.00} lender 's credit.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I have had a CashApp account for several years which I am now being denied access by the company " Square ''. The problem current problem started when I had to purchase a new phone because of damage to my old phone. Upon attempting to sign in to my account I received an error message stating " Unable to sign in on this device. '' I made several attempts to contact the company but because everything is done in-app I was unable to get anywhere because I was unable to sign in my account. I finally made contact over one week later via email and explained the problem I was having accessing my account. There were several attempts to resolve the issue but none of them worked. I was prompted to continue to contact customer service via email if the problem persisted. I did so and each time there was someone different replying to my email although I replied to each person by name. I started getting generic responses to my issue and then I was told that I would not be granted access to my account, however, I was told that I should just create a new account. I inquired about my stored funds and how those funds could be transferred to my new account. To date, the only response I've received was that they couldn't grant me access to my old account and that I should create a new one. There was no response as to the status of my funds.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Hi, my name is XXXX XXXX and I have been dealing with a significant issue with Wells Fargo regarding late payments on a secured credit card which is supposed to be helping to boost/establishing my credit and in quite it is doing the opposite. Please see the attached documentation.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (NY)

THIS CITICARD CBNA ACCOUNT DO NOT BELONG TO ME PLEASE INVESTIGATE AND REMOVE THIS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO EXPERIAN NUMEROUS TIMES TO REMOVE THIS ACCOUNT. PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THE DISPUTED ITEMS AS SOON AS POSSIBLE THANK YOU. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT. BELOW IS A LISRT OF LAWS THAT HAVE BEEN VIOLATED. 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (FL)

Some friends sent me money to my Venmo account to buy some plane tickets and I would be in charge of buying them all together for personal reasons I couldn't travel and the airline refunded me the money in full the tickets were first class tickets with a value of XXXX usd each, so when the money was returned to me by the airline, the amount was approximately XXXX usd days later Venmo freezes my account and asks me for proof of identification and after that they send me an email saying that my account had been closed permanently I think that if they close my account for some reason that I don't understand because they don't want to explain to me what the reason was, they should let me withdraw my funds to my bank account because it's a lot of money
Consumer complaint received 2022-03-03
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: Debt Recovery Solutions, LLC (IN)

A collection account on my credit report shows an opened date of XX/XX/2021. This is inaccurate as the debt is from XXXX. Debt Recovery Solutions , LLC is fraudulently and illegally falsifying the open date of the account in order to make it appear as a new collection. This is not the first time they have pulled this scam. Approximately every 6 months they will remove the account and reopen it with a new date in order to have the maximum impact on my credit score. This is illegal account re-aging.
Consumer complaint received 2022-03-03
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 (CA)

On XX/XX/2022 I was notified by email my credit card had been used to purchase an airline ticket through XXXX on Alaska airlines.one charge was for {$14.00} and the other was for {$310.00} I was in XXXX at the time and immediately contacted my credit card company to concerning fraud and dispute the charge and immediately canceled my credit card. I received a letter from the credit card provider on XX/XX/XXXX that they denied my claim saying it was consistent with my previous charges, which it wasn't because I never book flights through priceline.I wasn't able to contact them till I returned from XXXX XXXX XXXX.I contacted them three more times to reopen the dispute. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never told they had still denied the claim till the XX/XX/XXXX call. They said someone would call me back which never happened. I contacted Alaska airlines revenue protection and they said the charge should have been reversed but they couldn't give me anymore information on the person who took the flight. My statement shows some information on the flight and person. I filed a report with the local police department. I haven't received it yet but have a letter from them for record request.
Consumer complaint received 2022-03-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Bridgecrest Acceptance Corporation (MS)

Bridgecrest called me on a recorded phone call telling me that they have SOLD my information to XXXXXXXX XXXX XXXX She stated that 2017 XXXX XXXX has been sold. I did not give Bridgecrest permission to sell my information. The XXXX went out on me on a bridge and they knew. I was told by the lady at bridgecrest if i wanted my information I would have to buy it back from XXXX XXXX which I found rude as well as her attitude. All Im asking is that they settle this mess with XXXX XXXX. I just this collection gone off my credit not in a negative way
Consumer complaint received 2021-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

According to Wakefield and associates a debt for XXXX XXXX gym was reported under my name claiming to have a gym membership back in 2018. I have no relation to this membership, I did not sign up for this membership, I did not authorize any kind of reoccurring subscription. This debt that was sent to collections under my name and social security is affecting my credit score tremendously, and my ability to be approved to live somewhere. Im doing everything I can to have it removed and nothing seems to work. Its become very challenging to have this used against me and the very last thing I want to do is pay a debt that I did not create and have something false on my credit report for 7 years. Please inform me of anything I can do.
Consumer complaint received 2022-03-03
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. (NC)

No proof was provided showing that I authorized these inquiries on my report. If you are going to say they are verified then please provide PROOF and DESCRIPTION of the investigation used to determine that I approved these inquiries. 

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2022-03-03
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: Sequium Asset Solutions, LLC (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Fraudulent account Account Name : Sequium asset solutions  Account Number : Account was opened : XXXX XXXX Account Balance : {$1100.00}
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (FL)

They say they are from Nationwide Recovery Services. They are always of XXXX or XXXX  descent, they say I have debt but I check my credit regularly and have XXXX accounts in debt and excellent credit so they can only be a fraudulent company/team. They are very rude when I insisted I have no debt, then he told me he was " coming for you sooooon, very very sooooon '' which I take as a threat and blocked the number. They have called XXXX in the last XXXX weeks. They are calling from XXXX
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had made a payment on XX/XX/2022 and cancelled the payment that was due for XX/XX//2022. I received a confirmation email from the company. I woke up on XXXX to discover that both the payment I made on XXXX as well as the cancelled payment for XXXX were also taken that day. I called multiple times on XXXX, finally speaking with a gentleman who said that they would have it processed and returned by the end of business on the second. Now it is XXXX and they refuse to refund the money, stating that I will receive a call back within 3 business days to address my concerns.
Consumer complaint received 2022-03-30
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: Absolute Resolutions Corp. (FL)

I have tried to get a collection resolved and removed from my credit report that Absolute Resolution is reporting that is not mine. In my request to get information about this account, they haven't provided me with any documentation or any results from my request I sent to them. Instead, they sent me information that has no agreement or any other information that this items belongs to me. Items I asked for were as follows : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. What the money you say I owe is for 7. Prove the Statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with your license numbers and Registered Agent Still to these day, none of these items was provided to me from Absolute Resolution. Furthermore, I never had an account with XXXX, as well as I never lived in XXXX from which this company show that i lived at and never have lived in. Still Absolute Resolution has not did anything to provide me with the information I asked for.
Consumer complaint received 2022-03-30
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: JPMORGAN CHASE & CO. (PA)

My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX Chase Reward card ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were nursing ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before XXXX XXXX XXXXXXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our Chase card got over looked. 

Chase called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance XXXX. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for Chase errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this Chase card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from Chase that the account might be late. If you need anymore information please feel free to call XXXX or email my back at XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I happened to check my credit card account on XX/XX/XXXX and noticed a charge from Experian XXXX XXXX XXXX XXXXXXXX of {$26.00} on XX/XX/XXXX, I later noticed this recurring monthly charge of {$26.00} has occurred since XXXX so three times without my knowledge, no emails, letters, calls from Experian confirming any of these charges. I called Experian and spoke to a customer rep XXXX who said it was because I requested my three credit reports which I thought was part of my free annual request on XX/XX/XXXX. Instead, they parlayed that into a monthly recurring 'premiere membership ' again which I did not consent to, did not receive any confirmation purchase email, and setup as a RECURRING MONTHLY PAYMENT! On XX/XX/XXXX I disputed all three charges with my XXXX card, but Experian dishonestly if not fraudulently signed me up for a recurring service, something I'd expect from more nefarious sales companies, but not one of the XXXX major credit reporting agencies, seems like a conflict of interest for them to be selling these services that it appears most people don't want and they don't explicitly explain what it is. It's egregious, dirty thing to do to consumers, and should be illegal.
Consumer complaint received 2022-03-30
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 — Problem with personal statement of dispute
Company: Specialized Loan Servicing Holdings LLC (WI)

I have been making bi-weekly payments to Specialized Loan Servicing and after checking my credit report through my banking account I noticed there was a 30 day mortgage late reflecting which dropped my score 40 points. I have been working diligently to raise my score with them to possibly get a modification. I contacted them to and received a message about the fair credit reporting act. I also have a dispute in with them through XXXX as well. I have also been speaking to some credit repair companies who claim they can possibly get the 30 day late removed, but of course that is money. I have heard so many complaints regarding this company that I don't think I would want to do anymore business with them. My account was transferred to them from XXXX XXXX. When making payments there was an unapplied/suspense in the account so when the payment there wasn't enough to make a full payment and I wasn't aware. I have also faxed the company a XXXX letter to get it removed, but that could've went to anyone. Please help!!
Consumer complaint received 2022-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (TX)

My former landlord XXXX XXXX XXXX, is claiming I owe a debt of {$300.00}. A charge they made up out of spite, after several disputes we had that caused them to refuse to renew my lease. I lived there for 3 years and had never committed a lease violation. We did however have many disputes while I was living there, mostly due to XXXX prejudices claims. They really abused their authority by not renewing my lease for that reason. They despised the fact that I had no problem exercising my freedom of speech. When I moved out of my apartment and left it clean and completely free of trash or clutter, in fact I even swept the floors before I left. I then receive a made-up charge of {$300.00} for trash removal simply because of their pettiness. There was no trash to remove from the apartment, yet they charged me after I was gone a trash removal fee. That again was created out of their spite and pettiness, just like every other interaction with them. 
They could not and can not provide there was any trash to remove.