davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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. (MD)

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX/XXXX  {$830.00} XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX 2016
Consumer complaint received 2022-01-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Hello - XXXX XXXX of XXXX I refinanced our mortgage and went through the normal procedures through the old and new leinholder, as well as the title company. The title company sent the funds to pay off the old mortgage and we received a letter a couple weeks later saying the loan was paid and closed. 

On my credit report they loan shows up as " Legally paid in full for less than the full balance. '' This is the only negative entry on my credit report. It shows up as a " major delinquency '' of great than 60 days. I've attempted twice to dispute it and they have refused to remove this negative item from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, ( XXXX ) XXXX, is the entity that provided the payoff to the title company, which they paid. If there would have been additional money needed shouldn't they have asked for it? We would have of course paid, but when we asked they said no funds were due. 

I would like this removed from my account as it is impacting my credit score through no fault of mine.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I spoke with a rep with Wakefield & Associates on XXXX XXXX regarding collection on my credit report for {$190.00}. I specifically asked the man I spoke with, if I pay this today, can it be updated as paid or deleted off my credit report and I'd make arrangements on a few others they had on me. He told me yes that he would most certainly do that for me. I paid over the phone with my debit card and it cleared my bank on XX/XX/XXXX on the amount of {$190.00}. I also set up ACH payments on the other accounts ( they are not on my credit reports ). I disputed this account on XXXX XXXX and got the results today that it was a verified account and nothing would change. I want this off my credit report! I paid it in full and it should be showed as paid or removed as it is affecting my credit.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
XXXX XXXXXXXX XXXX  XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent accounts!
Consumer complaint received 2020-08-20
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. (MD)

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-09-26
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: Upgrade, Inc. (IL)

Hello, I spent over a month trying to sort this issue with the Upgrade , Inc. Their numbers on the statements do not match. I spent about 2 hours on the phone with their rep/supervisor XXXX and explained to him the problem. He should have escalated to back office, explain that we looked at 3 or 4 months timeframe to isolate all disputes that were causing the confusion. We calculated all my payments, interest accrued during those 4 months, it created shortage of {$1200.00}. After that we deducted the 2 deposits to XXXX ( XXXX and XXXX ) and there is still around XXXX short. I called later and was practically blown off by other reps including rude XXXX XXXX who hung up on me, and then XXXX who basically stonewalled me. He said everything is correct. I asked him to either connect me to the the department who does the review, and he refused that. I asked him then to forward my email with explanation to that department and to forward back to me their response- he refused that too. Their statements are designed to be impossible to understand a thing, and I am a XXXX with career in finance. Their customer service is just as bad, and company acts as a fraud. I borrowed close to $ XXXX from them across 2 accounts, and never was late while paid off almost all I owe, and for that I get such treatment. 
Please help me resolve this matter Best regards, XXXX XXXX
Consumer complaint received 2022-01-04
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. (PA)

Hi My name is XXXX XXXX and I am Bringing to the attention of CFPB and the Credit Agency some Unauthorized inquiries were revealed when I just analyzed my credit report. I contacted the following creditors, and they have no documentation that I began such queries, nor have they provided any written permission, and they have failed to present any permissible reason. Although they do not have my written or verbal consent, I request that you DELETE these approved queries from my credit report as soon as possible, as there is no proof of any authorization or legal reason. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

The following inquires I have not done business with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My contact information is provided below, and I have included proof of my ID with current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. Sincerely, XXXX XXXX
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XX/XX/2020 I had {$80000.00} USD wired per instructions given by XXXX XXXX XXXX XXXX to a business account that I have at XXXX. XXXX   The funds came out of my account at XXXX XXXX XXXX XXXX Iowa thru XXXX to XXXX XXXX Bank of America account. The money was never received in my account. My bank here in XXXX Iowa, XXXX XXXX   has made numerous attempts to get information from Bank of America and cant get them to reply to secure messages, phone calls, or emails from both XXXX and XXXX XXXX. I have also been in contact with XXXX XXXX which says the funds are not in their Bank of America account. My Bank XXXX charter has also tried to pull the funds back from Bank of America which we have gotten no response from. 

This is a related complaint on different Bank. Complaint # XXXX
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

on XX/XX/21 we purchased a silvery gray rug in the amount of {$390.00} from value city furniture and what was left at my front door was something totally different then the description in store ( looked nothing like what we ordered ) We contacted synchrony bank to dispute the charges to our account because this was not what we ordered. They did not do a full investigation. The documents we uploaded was a copy of our sales receipt and a photos from the tags of the merchandise that was left at the front door. Synchrony closed the case and ruled in value city favor in through this was not what we purchased
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

PennyMac is my loan servicer. Prior I had never had any contact ; my loan and auto payments were transferred to PennyMac. Upon needing a new purchase loan, I reached out to PennyMac to start the process and found terms to be good so begin submitting files and allowed a credit report. My business structures have some complexity to them and if you don't understand, items will be miss allocated and counted multiple times. They have always lead to multiple rounds of questions for clarity but never a problem. The agent I unfortunately had did not address any, did not return calls or emails. It took multiple calls to get a manager on the phone. Quickly and not surprisingly errors were found however he seemed somewhat uninterested in work through a more complex financial structure. We are in the process of further reviewing however based on the prior lack of care I don't expect too much more than prior - hopefully calls will at least be returned and critical time no longer wasted. I understand its a busy time and there are easier files but to work in such an industry with such reckless care and communication is troubling. As noted, critical time was wasted but not simply returning calls or emails ; at least to say that this is above their understanding and interest.
Consumer complaint received 2024-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/year> I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NC. The vehicle was not at the location and I was advised it cost XXXX. I had completed the finance agreement. When the car was brought to the location the salesman tore off the windows sticker. I did not get the sticker until a week later as I had to request a copy. The price listed was XXXX. I asked about the additional cost and was advised of additional fees, but they would not provide the charges after I had requested it. Also when I went to sign the contract. The finance XXXX just said sign here and did not go over the pricing. While looking over the contract later. I found I did not receive the XXXX loyalty bonus nor the XXXX dollar additional amount they had quoted prior to signing the contract.
Consumer complaint received 2020-08-20
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 (NJ)

Before the Corona Virus started and everything got shutdown, I purchased tickets thru XXXX to use in XXXX, however because of the shutdown of nonessential business I wasnt able to redeem my tickets. After calling the merchant several times without being successful, I decided to dispute the charge of {$80.00} with my credit card company, Bank of America. After a few weeks, I was contacted by BOA requesting more information, which I provided, and they also provided me a copy of the chargeback documents where it clearly stated Tickets not redeemed. A day later, my claim was denied for a vague reason. According to BOA, I didnt provide information about the cancellation policy. I did not cancel or did not attend because it was my choice, all business where closed and I was not able to get in contact with anyone to obtain my money back, which I clearly stated on the letter BOA requested from me.
Consumer complaint received 2020-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (TX)

On XX/XX/2020 I spoke with XXXX taking down all my information to apply for a home equity loan through this company. Since then I have not received contact from the company despite me calling numerous times and leaving messages. I even told XXXX that I didn't want my credit ran at that time due to being unsure about the company. Now my information is in their system and they have run my credit. I believe this company is a scam since they will not return phone calls.
Consumer complaint received 2021-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has repeatedly violated my rights .... 


FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS .... 

CFPB Complaint # XXXX & XXXX & XXXX Next step is hiring a lawyer My initial dispute was dated XX/XX/XXXX was a inquiry dispute! 

Disputing fraudulent inquiries in my name. 

-TransUnion REFUSED to do an INVESTIGATION which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed complaints with the CFPB ... ... TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4. 

The following inquiries are unauthorized and not initiated by me : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX  Inquiry Date : XX/XX/XXXX I started the inquiry process in XXXX of XXXX it is now almost XXXX of XXXX and they never started the investigation never I can guarantee that TransUnion is going to leave some generic XXXX statement and never do it again so I see I'll have to see them in court thank you cfpb for documenting all my evidence
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners (CA)

AFFILIATE ASSET SOLUTIONS based in Georgia has been repeatedly calling me at XXXX XXXX almost every single day for weeks now if not longer. I live in XXXX but used to live in XXXX which is where I had XXXX and my medical debt is based. A number with a XXXX area code calls almost every morning at XXXX XXXX. I have filed a complaint previously but must have filled something out wrong because the company claims they can't find an account with my name, yet they call me every day from multiple numbers. All with XXXX numbers, but their response was that they are based in XXXX so it couldn't be them making the calls and I must be mistaking them with another company called Affiliate Asset Solutions debt collection. But I have done research and found on multiple websites dozens and dozens of complaints against this company, along with corresponding phone numbers they have called from and there are XXXX numbers listed. Also when I call the numbers back they go to a recording telling me the company is AFFILIATE ASSET SOLUTIONS DEBT COLLECTION. The calls need to stop. I lost my job due to the pandemic and I can't pay my medical debts right now so they're really just wasting their time.
Consumer complaint received 2023-08-08
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)

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

I bought two XXXX  at the Minnesota XXXX center XXXX XXXX using the Apple Card. I was charged for FOUR XXXX  Subsequently there was another charge in the amount of $ XXXX I filed complaint with the CFPB ( XXXX ) I was refunded the illegal charges ; but the balance on the Apple Card remained and it accrued interest too. 
All purchases transactions and illegal charges are on the Apple Card account. 
Apple Card/Goldman Sachs cant deny this illegal practice.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation (IL)

This is my XXXX  complaint in regard to Account Resolution Corporations ( ARC ) attempt to collect an insured dental bill from XXXX. My initial dispute was that nearly all of the bill is covered by insurance. Near the end of XX/XX/XXXX, I had a phone conversation with an ARC rep who told me NOT to get insurance documentation ( misleading? ) and that they would contact the insurance company. Instead, they immediately placed derogatory remarks without notice to me. The notices on my credit report appeared to be an attempt to intimidate me, were certainly in bad faith. 
This current ( and XXXX  ) complaint arises from ARC not responding to my last XXXX letters ( attached as documentation ) while maintaining the derogatory remarks on my credit reports. I have sent XXXX letters to resolve the debt and demand removal of the derogatory remarks WITHOUT RESPONSE from ARC. Letters to ARC were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. ARC has a duty to respond and negotiate this insured medical debt in good faith.