davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NV)

I have received no less than five prepaid cards this year that I did not request. I do not have an open account with Netspend and I have not had one in about seven years. I keep getting cards over and over again. And I happen to know that this is not legal. I have emailed the president of the company, I have tried to complain on the Better Business Bureau website to no avail.

My concern with this is not only finding out it's not a legal practice, I feel that this opens me up to identity theft in a major way. Because any person that has access to my information would be able to open a card that is in my name. I have not only a prepaid card with a different company that I have been very happy with for many years, I also have a traditional bank account. I have absolutely no need for another prepaid account. I still have four of the five cards in my possession. They are cut in half but I kept the cards for the information on them. Just in case it was needed at a later time. But considering this is an illegal action, I am seeking out help to have this fixed so I will stop getting cards. I'm not asking for.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following complaint is in regards to credit reports generated by TransUnion and XXXX   on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Subject : Unauthorized Hard Inquiry Dispute Under FCRA - Request for Immediate Removal Dear Equifax Dispute Department, I am writing to formally dispute recent hard inquiries on my credit report related to XXXX XXXX XXXX XXXX and XXXX XXXX. I do not have any current accounts with these companies, nor did I authorize them to conduct a hard inquiry on my credit file. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ( c ) ], hard inquiries require explicit consumer consent, which I did not provide in these cases. 

As a result of these unauthorized inquiries, I have had to freeze my report to protect my personal information. However, these inquiries are still negatively impacting my credit profile, which is causing me undue stress and potential harm. 

In light of this, I respectfully request that Equifax immediately remove these hard inquiries from my credit report. Additionally, please provide me with a confirmation of the removal and any related correspondence. 

Thank you for your prompt attention to this matter. I expect your response within the timeframe required by law and look forward to your cooperation in maintaining the integrity of my credit report. 

If you send the letter online or by mail, keep copies of all correspondence. Equifax is legally required to investigate and respond within 30 days.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau Experian, XXXX, and XXXX XXXX asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. XXXX will not let me view my account.
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

WFBNA XXXX, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account XXXX XXXX XXXX XXXX XXXXXXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.
Consumer complaint received 2019-06-22
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. (OH)

The following student loans were reported on my credit report.. .I disputed the accounts with Equifax, XXXX , XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX
Consumer complaint received 2019-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America provided me with a 0 % balance transfer offer as long as I made the minimum payments ; even while making the minimum payments, I was still charged interest on a monthly basis. I filed a complaint against BOA before and the refunded my interest payments, but continued this deceptive practice. The total interest I was charged was {$14.00} plus an additional {$160.00} in fees.
Consumer complaint received 2019-04-09
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

I applied for a reverse mortgage at AAG and the appraisal was done on XX/XX/2018 I was assured by my adviser at AAG that a local appraiser with experience in my area would be chosen by AAG 's appraisal management company. Instead the appraiser came from a different county about 30 miles away with obviously no experience here. 
I finally received a copy of the appraisal XX/XX/XXXX and was shocked by the incompetency of the appraisal which was filled with errors, omissions, and an inaccurate lot description ( he left out a contiguous 12,600 sq ft ) lot that two other appraisers included in the site description. This small town has homes up steep narrow hills and or very busy streets, and those were the ones chosen. My home is in the " flats '' of XXXX which have entirely different prices. 
My adviser at AAG " challenged '' the appraisal but I received no info on this process and had a very experienced XXXX agent/30 yr resident of XXXX provide many comps to him which supported a price of about one million to 1.5- the appraisal was for {$860000.00} I paid {$500.00} for an appraisal which is useless and incompetent and have done both a XXXX complaint against AAG and a Bureau of Real Estate Appraisers complaint which is pending. 
I have asked AAG for a refund of the {$500.00} to no avail. 

I have many pages of documents and info to show how this all happened, but not sure which ones best to send/
Consumer complaint received 2019-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I had a voluntary escrow/impound account for the property taxes and hazard insurance. In XX/XX/2019, I split my payment, making my principal and interest payment by the XX/XX/XXXX of each month which meets the terms of my Note and I made my escrow payment before the end of the month and I wrote and explained to the mortgage company what I was doing and why. They have assessed me late charges that are unwarranted.

I cancelled my voluntary escrow account in XX/XX/XXXX, and sent them the payment for the negative balance ; which they have cashed. They have failed to correctly update their records to show the payment due of the principal and interest only on the monthly mortgage statements.

Again, I have called, sent secure emails on their website and have written letters to no avail. Their response time for each piece of communication is unacceptable ; taking weeks or months to respond.

Now they are in my opinion harassing me, by sending notices stating that I am delinquent when in fact I am not. Again, the escrow account was voluntary and the payments were made before the end of the month, no late charges should have been assessed.
Consumer complaint received 2015-11-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank closed my IRA CD in error and sent a check for the balance to another financial institution without my knowledge or written approval. This is the account that I had arranged to draw my required minimum distribution. When I discovered this error, I went to the local branch of Wells Fargo and asked the bank to place a stop payment on the check and reopen the IRA account they closed in error. They refused to place a stop payment, but stated they would request the return of the funds and treat it as a rollover, not a correction of the Bank error. 
When the check arrived at the other financial institution, they processed it to my IRA account with them as a direct transfer. At this point I decided it was in my best interest to leave the funds at the new institution. 
Even though the amount of the lost interest is minimal, Wells Fargo never offered to reimburse me for this loss. 
I have since requested a letter from Wells Fargo acknowledging their error for my records in the event of an IRS issue. To date, I have heard nothing from Wells Fargo.
Consumer complaint received 2020-11-03
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. (TN)

I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On my Amazon store credit card account Synchrony Bank imposed a charge of {$94.00} as of XX/XX/2020 that is not mine and that also has a vague cutoff description - " XXXX XXXX ''. I have no idea to what it refers. Some similar amount appeared before on a card ending XXXX that used to be mine but that was compromised. I disputed the charges initiated by somebody else. The charges were refunded. I blocked the compromises card issued by Synchrony bank with {$0.00} balance. I also claimed to block the merchant to which my money went, without authorization. 
It's illegal to put charges with unclear description such as " XXXX XXXX '' on my name 1 ) from the card that was compromised, 2 ) to a merchant that was supposed to be blocked.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

As of XXXX the XXXX of XXXX. Midland Funding LLC on behalf of Asset Acceptance has levied my bank account without sending me any documentation. They levied a California bank account. My identity was stolen in Michigan from the periods of XXXX until now. I have a flag on my IRS account for identity theft, stolen tax returns and someone opening loads of miscellaneous credit lines and credit cards in my name. 

This company levied all my funds somehow. I don't even know how they were A, able to get my bank info. B, I already have all my accounts in the dispute status with all the people trying to collect debts and dispute status prevents court action from being taken until resolved. 

XXXX I have called Midland Funding only to find my number was blocked. I used another number to call them. All the people answering the lines were XXXX, they gave me pure english names such as " XXXX XXXX '' and they could not source my account based on any information provided to them and kept attempting to retrieve my social security number which i wont give out.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I contacted GM Financial and arranged an extension of my XXXX payment. They agreed and collected the interest plus a fee and moved the payment to the end of the loan. They then reported the payment as 30 days past due and have not fixed it despite 2 disputes through XXXX.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Dear CFPB, I'm part of the XXXX XXXX XXXX XXXX and think that XXXX might have miscalculated the number of qualified payments I've made so far. 

I've been paying back my loans since XX/XX/2017 regularly and am on the income-based payment plan. My loans were consolidated by XXXX, and my employers are certified non-profit organizations. And I recently received an email stating that I have made 2 qualified payments and that I have 118 payments left. 

Can you help me? 

Thank you!
Consumer complaint received 2019-04-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

It is my debt, I tried making arrangements to keep it from my credit report but was advised that if I could not pay the debt in full by a certain date it would be reported to my credit report. I am currently making XXXX payments a month. 

I checked my credit report, and it shows this collections agency has reported the same derogatory remarks 4 times in one month. XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I called today XX/XX/XXXX @ XXXX EST spoke with the representative, I did ask her if it was illegal to such reporting. She started that I would need to speak with an attorney or get help from an outside entity. She started they report weekly to the credit bureaus. I have worked hard to get my credit score to where I'm able to get credit. I owe the money. I'm trying. I did tell her in the beginning I worked hard at getting my credit score up, and please do not send it to my credit report. She advised that I should try to get a personal or school loan to pay off the balance or its going to be sent to my credit report. If they have to report it, please only once a month.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

In the wake of multiple data breaches of various organizations, I have been reviewing my credit for the past few months. I noticed a creditor that I was not familiar that dates back to XX/XX/2017 per my credit reports. I have attempted on multiple occasions, in writing, to have the debt validated citing FCRA and FDCPA as a reference. The company was contacted several times this year. I requested proof of the debt in all occasions. Specifically, I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ''. This exact language was used. To date, I have not received anything with regards to proof the debt. No agreement, no signature ... nothing. Additionally, there was recently a lawsuit filed by this company against me in retaliation to my letters, which triggered my complaint to CFPB.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (FL)

I have been inudated with Attorney solicitations about a judgement action that will be taken against me by XXXX XXXX. This has been going on for several weeks. It felt like a conspiracy between the Law Firms and this Company which purchased a debt they alledge I owed. 

I had filed for XXXX XXXX Bankruptcy in XX/XX/2020. I am not sure who this debt is too. 

I sent XXXX XXXX an email on their website asking them to contact me I never heard from them. 

This morning I received a summons to appear XXXX XXXX  with XXXX pages of attachement with the words redact written close to a XXXX times on them. 

I am XXXX XXXX XXXX. I am XXXX but I will head to XXXX on XX/XX/XXXX. 

I wish to file a criminal complaint against XXXX XXXX for being involved in a conspiracy with at least XXXX Law Firms to make money on a debt which I may or may not owe and not giving me the courtesy of notification and a chance to review this. 

If the debt is owed I would come to some understanding on paying it off. However, they choose to use scare tactics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-22
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. (NJ)

I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I have a Macy 's store credit card where I have a history of making on-time payments with the exception of 1 month. This occurred in the beginning of XX/XX/2018 as I was transitioning from a long period of unemployment and had just gotten a new job. I reached out to Macy 's in order for them to work with me through this transition and temporarily help me with a lower monthly payment for a few months as I earned an income again. They were not willing to help me during this time of hardship and I could not afford the minimum payment of {$62.00} that was due on XX/XX/2018. At the time that was a substantial amount. I reached out to them with no luck and had to miss the payment.
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: N.A.R., Inc. (FL)

I have a collection on credit with XXXX XXXX that I have been trying to settle and satisfy. Through my research, XXXX XXXX does do settlements with their customers. In speaking to XXXX XXXX, they have a 3rd party, NAR or North American Recovery handling their collection of this account. When calling NAR, they state that they do not own this debt and are collecting on behalf of XXXX XXXX. I tried to settle this account out with them and they are stating that they do not do settlement agreements. I find this to be against XXXX XXXX 's practices and as a violation of the FCRA collection rules. How can XXXX XXXX allow a company to collect or act on their behalf but have horrible business practices? 
Also, I never signed any disclosures stating that XXXX XXXX  could transfer my personal information to a 3rd party. This company NAR is contacting and attempting to collect a debt from me illegally.
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (GA)

On XX/XX/2021 I was charged {$210.00} then again on XX/XX/2021 I was charged {$210.00}. Lending Club refused to refund one of those payments. Then they advised one of the payments just went to the principal and was not a payment. I asked could they please apply both payments as separate payments the manager agreed. But did not notate my account. So now Lending Club is saying I am past due for XXXX and now due for XXXX. They are very misleading and refuse to cooperate with me.
Consumer complaint received 2019-06-22
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: Experian Information Solutions Inc. (WV)

AFTER REVIEWING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIED THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FFROM MY REPORT.
Consumer complaint received 2019-06-21
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: Ability Recovery Services, LLC (MD)

The accounts on both XXXX  and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
Ability Recovery Service ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX  ( XXXX  )