davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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: PENTAGON FEDERAL CREDIT UNION (MS)

on XX/XX/2021, i sent LETTERS TO THE MAIN AND CORPORATE OFFICES WITH PENFED CREDIT UNION A LETTER REQUESTING BILLING STATMENTS AND DOCUMENTATION REGARDING A ALLEGED DEBT OF {$390.00} THAT I DONT OWE AND I HAVEN'T RECEIVED ANYTHING FROM THEM THUS FAR. Please acknowledge my letter, correct the error, and clarify the manner in which you arrived at the finance charge, new balance, and minimum amount due on the account. 

I do not agree with your alleged reported balance. I am not liable to pay that balance. Please provide me with the original offer you claim was accepted by me, any amendments to the agreement, the cardmember agreement you deem accepted, and the previous 12 months of statements of account. Until this billing dispute is resolved, cease and desist all collection activity, including all credit reporting. Promptly request that consumer reporting agencies delete all credit reporting to date.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I logged into my Wells Fargo Account to pay my bills. While paying my bills I needed to create a new payee XXXX XXXX in order to pay my mortgage. I created the payee and preceded to make a payment at which time the Verify Your Identity dialog box appeared requiring me send my private information a number that I dont recognize. 

Again I was logged into my account, I had already verified and was paying my bills. This action by Wells Fargo prevented me from accessing my funds to pay my mortgage. 

Therefore, I contacted Wells Fargo and was forwarded to XXXX from Wells Fargo in the Texas Consumer Advocacy Department when XXXX was unable to resolve the matter. XXXX said, she said she was not able to help me unless I provided my login username, I explained I did not feel comfortable providing my private login information at which time she refused to help or resolve the matter. 

I asked XXXX and XXXX for ID numbers so I could document the call, both refused to provide the information so I would be able to document whom specifically I spoke with.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Hi, I started the refinancing on my condo on XX/XX/XXXX with Amerisave MOrtgage Co. and I had to give them {$500.00} for the a hold for the application fee which they also said so I don't walk off to another mortgage company. 

I signed the closing document which had fees in section A : Origination Charges : 0.223 % of Loan Amount ( Points ) = {$600.00} Application Fee = {$500.00} After run around for two months and on XX/XX/XXXX I get an email. from Amerisave saying : " The interest rate is still the same but the fee, as of today, is about {$1800.00} higher than what it was when we initially spoke. We can still lock in and move forward if youd like. '' Now in section A : Origination Charges : 0.853 % of Loan Amount ( Points ) = {$2300.00} Application Fee = {$500.00} So on XX/XX/XXXX I started the application with XXXX XXXX  and got a lower closing cost and decided to go with them. I let Amerisave know that due to the rate change and the two months which was there fault I decided to got with a local bank and would like my {$500.00} returned, they replied : " The {$500.00} is a non-refundable fee. The reason that is there is because we have had 14 teams working your file for 2 months now. That money goes to fund those costs. If you want to walk away from the loan you certainly can but the {$500.00} isnt refundable ''. 

It was there fault it took two months and I still didn't get a close date.. 

Thank you! 
XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (WI)

XX/XX/2021 last 3 payment Avant refused to take payment by debt card {$170.00}. XX/XX/2021 TOOK PAYMENT FOR XXXX STILL REFUSED {$170.00} PAYMENT XXXX took payment XXXX refused great payment but said I could pay last payment at any amount to pay the loan off on time XXXX pay off amount was give {$230.00} Avant refuse to take payment on last payment force me to possible go past end of the loan without full payment own past term and report negative on unpaid amount they refuse to take
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attention to this matter.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's
Consumer complaint received 2021-12-03
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: Mid-South Adjustment Co., Inc. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I am aware that credit agencies are required to allow credit freezes to protect our accounts by fraud. I created freezes at XXXX, XXXX  and finally Experian. The first two had no issues but Experian makes it difficult to create a freeze. When logging in their is no mention of " freeze '' on their menu. They have a paid product called " credit lock '' that they promote. There is a brief description how that differs from a " freeze ''. However, they have no hyperlinks available to select. After scrolling through there webpages I finally connected to help through their chatline. I was told to log into a different URL in order to manage a freeze. I was finally successful in doing so even though they use an arcane form to do so. 

My complaint is Experian should make a freeze option visible and readily available and once an account is established should not put somebody through the hoops of providing all the information they already have on file. It is obvious they wish to push an alternate paid product other than " freeze '' and that should not be accetable.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: New Century Auto Sales, Inc. (MI)

We applied for a car loan at Rightway in XXXX XXXX and our salesman was XXXX XXXX. Weve never even met in person, but we gave him authorization to run it and we found out today when I received a call from a friend that her son had told her all about our credit report because his dad had told his wife and his son. Not sure who else has been told at this point, but I need to know my rights because Im extremely upset and violated.
Consumer complaint received 2021-12-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. 

Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never received a bill from this Agency. After receiving daily phone calls ( XXXX days a week once in while XXXX a day once in the a.m. and once in the afternoon ) and checking my credit report this Agency showed up in XX/XX/2021 backed dated to XX/XX/2021. I have also submitted in writing to all XXXX Credit Bureaus disputing this as well.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$310.00} XXXX XXXX XXXX  date opened XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX {$2300.00} XXXX Date Opened XX/XX/XXXX {$590.00} OneMain Date Opened XX/XX/XXXX {$13000.00} XXXX XXXX XXXX {$41000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-12-13
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. (OH)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc. (MO)

Company at XXXX has called my employer repeatedly over the past three days. They have been told that employees can not take personal calls there. They even harassed my supervisor on her personal cell phone. The person at this company identifies herself as XXXX XXXX.
Consumer complaint received 2021-02-20
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. (LA)

Experian Information Solutions, Inc. 
XXXX XXXX XXXX. 
XXXX XXXX, California XXXX Reference : Report # XXXX ( I HAVE PROVIDED IRREFUTABLE EVIDENCES TO EXPERIAN THAT THIS SHOULD BE REMOVED. COLLECTION AGENCY TELLS THEM NOT DELETE IT SO IT REMAINS ON MY HISTORY. THIS LETTER SHOWS WHAT I PROVIDED THAT EXPERIAN STILL IGNORES. I AM TOLD THE COLLECTION AGANCY TOLD THEM THE COLLECTION WAS VALID AND EXPERIAN LEAVES IT ON MY HISTORY. i HAVE REQUESTED A FULL COPY OF MY FILE AND EXPERIAN REFUSES TO SEND IT TO ME. I HAVE REQUESTED A DEBT VALIDATION AND VERIFICATION FROM EXPERIAN AN THE I C SYSTEMS AND NEITH WILL SEND IT TO ME. ) Subject : UNFAIR HEARING ON MY DISPUTE BY EXPERIAN Action Needed : IMMEDIATE REMOVAL OF UNWARRANTED COLLECTION FROM MY CREDIT HISTORY. 
Furnisher of Unwarranted Collection : XXXX XXXX XXXX XXXXXXXX on behalf of XXXX XXXX, {$900.00} 1. Exhibit 1 Credit Report with Collection Inf0ormation REASONS FOR REMOVAL : I disputed this collection item with Experian on XX/XX/XXXX. 
2. Exhibit 2 My dispute letter with verification documents sent to Experian. 
a. Attachment 1 Copy of my check # XXXX in the amount of {$200.00} to XXXX XXXX dropped through the mail slot in the door of the office dated XX/XX/XXXX. 
b. Attachment 2 - Copy of Life Storage email acknowledging my payment dated XX/XX/XXXX. 
c. Attachment 3 - Life storage receipt for my payment dated XX/XX/XXXX. 
d. Attachment 4 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
e. Attachment 5 - Copy of my check # XXXX in the amount of {$57.00} XXXX {$13.00} for additional rental payment and {$44.00} in late fees the manager refused to waive ) to XXXX XXXX paid to the office manager dated XX/XX/XXXX. I gave my move out notice to the manager before handing over this check. 
f. Attachment 6 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
g. Additional Information : i. Attachment 7 Email from XXXX XXXX ii. Attachment 8 - LatXXXX Notice from XXXX XXXX. My response to XXXX XXXX dropped through mail slot in the door of the office dated XX/XX/XXXX. XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (IL)

I have retained information that BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC has purchased an alleged debt from XXXX XXXX XXXX XXXX XXXX. They have transferred this debt to their representative The Bureaus, INC  ( who is not a licensed collection agency in the state of Illinois ) and XXXX XXXX who have both contacted me in trying to coerce me to pay this alleged debt without providing me specific proof of claim. Attached is my official NOTICE OF DISPUTE PROOF OF CLAIM AND CEASE AND DESIST OF ALL COMMUNICATION. I am invoking my specified remedy. If I don't receive the required evidence of proof of your claim in 30 regular days, your claims against me will be dismissed and you must terminate all collection efforts. I expect you to cease all communication with me through any and all mediums, including my consumer report, in regards to this alleged debt including communication through your representatives, The Bureaus , Inc and XXXX XXXX. ALL communication directly or indirectly should now cease though any and all mediums. You will be held up to every aspect of federal law for willful and negligent noncompliance of federal law. YOU ARE ON NOTICE. I do not give BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC, or any of its representatives, affiliates, employees or legal counsel permission to pursue legal action against me, the federally protected consumer, for that would be a violation pursuant to 15 USC 1692i ( b ) and 15 USC 1692e ( 3 ). With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

I purchased a wig from XXXX on XX/XX/XXXX through PayPal with my XXXX XXXX card and it was suppose to arrive on XX/XX/XXXX. It was labeled as delivered but I still have not received it. I have called PayPal and my local USPS office for two weeks to resolve this issue with either a re-shipment or a refund to no avail. I XXXX how to speak with a live representative instead of an automated robot and I called the number that was provided. I explained my problem and I was asked to download an application called XXXX and automatically became defensive because they could see my personal information. I asked how this was relevant to me receiving a refund and he said the only way that he could verify my information was if I added {$2400.00} to my XXXX XXXX  card and that he was permanently close my account and send me a {$500.00} bill if I didnt follow through. Why would I need to add that amount of money to my card to receive a refund of {$37.00} for a wig? I asked for his name and supervisor and he wouldnt answer. He just yelled. I quickly deleted the app, disabled my card, and changed my passwords across every website and app, including my banking information. I reported the website to XXXX and Consumer FTC, as well as emailing their information to the real PayPal for fraud and phishing. I am fearful of my account being compromised and my local bank doesnt open until Monday. There needs to be a better system to access customer service representatives outside of the resolution center so customers can follow up on disputes.
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was provided an Amex gift card from my company. The gift card shows activation date and dollar amount for use {$50.00}. I was only able to use it once on a XXXX order and says I have {$30.00} left to use. I cant use the remaining balance anywhere! Ive tried online merchants and in store merchants. Ive called their customer service line 4 times, each time with someone incompetent and useless to speak to. They told me they dont know how to troubleshoot this problem, and everyone else that has called in is having the same issue. This is unethical for millions of people to have gift card balances that they cant use!
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX, XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion XXXX XXXX is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX OF XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (MI)

Ive sent in XXXX XXXXounds of disputes to Equifax asking them to remove these collections accounts from my credit report. The account are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Ive ask for this items to be removed because of illegal collections fees, Ive also asked for the original contracts as well and they werent provided.
Consumer complaint received 2022-11-30
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. (CA)

Hello, My name is XXXX XXXX XXXX. I have a problem with my credit report credit bureau showed a report with the wrong name and phone number and the wrong address also there is a XXXX credit card account that is not mine but they showing on my credit report. I don't know what to do this makes me really bad with my credit. it's going to be really bad cause they showing me the wrong information on my credit report. please help me I don't know what to do. please help me. I feel very sad and bad. why someone's credit is on my report? Please help me to remove it. please help me. Please fix this. Thank you.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XX/XX/2018