davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I HAVE HAD AM ACCOUNT WITH AMERICAN EXPRESS SERVE FOR WELL OVER 4 YEARS. HAD HUNDREDS OF DEPOSITS AND 3 TAX REFUNDS DEPOSITED TO MY ACCT. THIS MORNING XX/XX/2020 I WOKE UP TO AN EMAIL SAYING I RECEIVED MY UNEMPLOYMENT DEPOSIT. AFTER THAT MY ACCOUNT WAS LOCKED AND FROZE AND WAS UNABLE TO GET ANY INFORMATION AS TO WHY. NO WARNING NO REASON THE MONEY JUST DISAPPEARED AND ACCT CLOSED. I CALLED THEM WAITED ON HOLD FOR 6 HOURS AND SPOKE TO 4 DIFFERENT PEOPLE, 2 SUPERVISORS AND NOT 1 OF THEM COULD GIVE ME A LEGITIMATE REASON AS TO WHY MY ACCT WAS LOCKED AND SAID THEY WERE UNABLE TO EVEN SEE  MY ACCT BECAUSE ITS LOCKED. I HAD {$980.00} IN MY ACCT AND NO ONE HAS AN ANSWER. THIS IS UNACCEPTABLE. I AM NOT SENDING MY PERSONAL INFORMATION TO SOME RANDOM PO BOX . SOMEONE AT AMEX STOLE MY MONEY AND I WANT IT BACK.
Consumer complaint received 2020-05-14
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: GOLDMAN SACHS BANK USA (VA)

On XX/XX/2020 I contacted Apple Card issued by Goldman Sachs to report a dispute for a purchase made on XX/XX/2020. The goods purchased were not delivered within the agreed upon time frame and I received no response from the merchant. Goldman Sachs refused to accept my dispute.
Consumer complaint received 2020-05-14
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. (IN)

Our family was impacted by COVID-19 and forbearance was requested on our mortgage and auto loans and agreed to by our loan servicers. We did not miss any payments and all loans shows in good standing and paid as agreed. Despite this, Transunion and XXXX  immediately dropped my credit score substantially while XXXX  did not. This appears related to reporting by XXXX  XXXX XXXX on our auto loan. I submitted a dispute with Transunion on XX/XX/20, but this did not appear to resolve it per the dispute outcome notification I received on XX/XX/20. My understanding of federal legislation from the CARES act was that requesting and receiving forbearance during this time would not result in negative credit reporting. As our situation has improved, we no longer need forbearance and are resuming normal payments. Our family will soon be looking at refinance options for our home and the drop in credit score impacts our options as well as rates available to us. I don't believe my credit score should have been negatively impacted by this.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (TX)

Exeter Finance is my loan company. I made a payment of {$1000.00} on XXXX and wanted it applied to principal only, aside from my payment that was due on XX/XX/30, that was paid on time as well. I called on XXXX to make another {$1000.00} payment and again asked for it to be applied to principal only, again, aside from my regular payment due on XX/XX/30. This finance company refuses to take my additional payments and post to principal only. They say they are obligated to take this as a regular payment and only a portion with be applied to principal just as the regular payments are done.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I called XXXX XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK (TX)

My father and I went to XXXX XXXX XXXX on XX/XX/XXXX to trade in my XXXX XXXX for a XXXX XXXX XXXX. We told our salesman as well as the sales manager, XXXX that we were starting a new business and this vehicle is for the business. We made it clear to them that we were using my fathers credit and my income in order to try and secure the loan. They ensured us that wouldn't be a problem. During the financing process XXXX explained to us that we were going to receive a call from XXXX XXXX for a phone interview. He told us we need to lie to the interviewer and tell them the truck is only for my father. We told the banker that this was going to be a company vehicle and we explained to him the same situation we explained to XXXX. We did not secure the loan from XXXX XXXX. XXXX told us that he had us approved by another lender. We signed all of the paperwork, cleaned out our car and left with the new truck. Two days later XXXX called and told us that the new lender was calling for an interview. This was obviously confusing because we had already signed and been in our new truck. He told us that we made exceptions with the bank and we wouldn't need to verify our income through documentation but we needed to lie to the bank and tell them that my father made {$4400.00} in cash as well as $ XXXX  monthly in Social Security benefits. All of this was untrue and we made it crystal clear to them that my father had no income. When XXXX with XXXX XXXX called we explained to him the situation and told him that the XXXX dealership was asking us to lie to him about our income and we refused to do so. We have been called by the dealership a couple of times since that interview. We told them that we would only be speaking to them through text or email since they have proven themselves to be untrustworthy. After being extremely rude and confrontational with my father they then told us they are repossessing the truck and letting our bank know where they could pick up the XXXX and have refused any further communication with us. We have been attempting to contact XXXX with XXXX XXXX to get an update on the loan status. We have left several messages with him over the past few days and have not heard back from him nor anyone else from the bank. We have reached out to our bank to let them know the situation on the XXXX ( We are showing to be late on that payment and it is damaging our credit history ). All the while, XXXX XXXX XXXX is advertising my traded in XXXX for sale. We have been left completely in the dark on this entire situation.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (TX)

I was placed into the US Bank assistance program due to COVID-19. After the last month of the program, i paid the Loan out fully. US Bank is now showing there's a 30day late payment charge. Will you please contact the Bank and have it removed. ( last 4 of Account number is XXXX ). 
Thanks
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (MI)

XXXX XXXX provided internet services at my previous address ... XXXX XXXX XXXX XXXX, Mi XXXX. In XXXX of XXXX, final payment resolved for the full remaining balance owed on the account for the services rendered, after the home had been sold. Harassing calls and letters from XXXX XXXX followed one month after services were disconnected by me and shortly before the final payment had been made. The company is stating that I owe money for equipment that was used for the duration of the internet services. There is not an existing or past contract that was signed or agreed upon, by me nor any other member of the household for the rental or leasing of the equipment at my home. I paid in full for the services and or any equipment as stated on my monthly bill. I have contacted IC Systems Inc. twice in writing regarding my dispute. I have specifically requested that they produce and submit back to me any signed contractual agreements where it indicates that I understood the equipment was leased, including amounts owed and other pertinent details. I have not received any responses back as of XX/XX/XXXX. To further add injury in my claim against this company, they are now reporting twice as a collection account, through a different company, XXXX XXXX Solution. For the same amount but with a different account number. I feel harassed and bullied by both companies in a retaliatory effort upon ending services. It is heavily affecting moving forward by falsely reporting to the credit bureau and not responding to my request. I need help and some resolve in this matter. I am asking that you demand from both IC Systems, XXXX XXXX and XXXX a proven contactual agreement, in which I am certain they do not have, or they remove both collection accounts from my credit report. I am hoping they will comply with your request. No company should be able to do as they wish in regard to falsely reporting to credit bureaus. I work very hard in keeping my credit payment history in great status and this is the only collection account on my credit report. Falsely reporting is intentionally misrepresenting my payment history which is FRAUDULENT.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I ordered my credit report and received information from experian. On the report, Im listed as having an account that may be considered negative : Nissan- infinity. This was a lease car that I paid payments on time and returned car in on end of term date in XXXX of 2013. Account is listed as paid/ closed but I dont know why it is listed as negative.
Consumer complaint received 2021-06-10
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: U.S. BANCORP (CA)

Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher. 

I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 

Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately. 

Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!! 

The main number for US BANK is XXXX.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent my dispute letter to TransUnion on XX/XX/20.I attached it to this complaint I has been well over 60 days and I have not received any response about the negative finding on my credit report.
Consumer complaint received 2021-06-10
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. (IN)

Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX  Equifax and XXXX  to remove these credit hard inquiries off of my credit report immediately
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.
Consumer complaint received 2020-05-20
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. (NJ)

There are Three accounts that are reporting on XXXX, XXXX  and Experian. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX CARD showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX  AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED ANS XXXX PLEASE
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TX)

I was contacted by XXXX about an unpaid bill. The total amount due was {$220.00}. XXXX offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from XXXX stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, XXXX XXXX did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX  is reporting it now, and another named EOS CCA also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (NJ)

There are Three accounts that are reporting on XXXX, Equifax and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX  showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH EQUAFAX AND THEY DELETED THE XXXX XXXX BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED XXXX XXXX PLEASE
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I called Comenity XXXX XXXX 3 times told them my account showing balance although paid in full. Told them every point counted on my credit because my business badly affected by covid. Never resolved never received paid in full letter I requested.
Consumer complaint received 2020-05-19
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. (NV)

My previous complaint went completely disregarded by Experian. The response was, It appears that my complaint was not submitted by me? Not only have I identified myself through this website and in this very complaint, but I have already submitted MULTIPLE means of identification to Experian through means of address, Social Security Number, Copy of drivers license to Experian as well. REFER TO MY Previous validation requests submitted by certified letter on XX/XX/20, XX/XX/20, XX/XX/20 & XX/XX/20 and received by Experian for which I have proof. And Experian continues to play these games. And I will only be corresponding through this website or by mail as I was instructed by one of your customer service representatives and subsequently MY ATTORNEY. I will not stand for this any longer, this is currently becoming a litigious matter. AGAIN, here is my previous complaint .... 

I have already submitted many complaints containing verification on my part of MY identity to Experian regarding the account I am referencing. And my previous complaint with the CFPB ( which yielded nothing ) against Experian was still NOT sufficient and Experian STILL has not performed a reasonable investigation regarding this company. How do I know?? Because the company is CLOSED due to the COVID-19 pandemic hence ; adding the comment on my credit affected by natural or declared disaster the company is located in NEW YORK. Which has been on strict closure orders for the last 2 months. Experian submitted a response to the last complaint with CFPB ( complaint ID XXXX XXXX dated submitted XX/XX/20 ) explaining that they have contacted XXXX XXXX XXXX to verify the information and received the information back from them verifying the account?? How did that work??? WHO VERIFIES THESE ACCOUNTS?? WHAT INFORMATION/DOCUMENTS IS EXPERIAN RECEIVING THAT IS PROVING THIS ACCOUNT IS VERIFIABLE?? And WHERE is MY documentation that I am legally entitled to verifying the VALIDITY of this account?? IE : A signed document containing MY wet signature?? THAT is the law and I have now requested this information FOUR times. And if this account is not verified in this way, I DEMAND that it be deleted according to the law! I will not hesitate to be litigious! Experian is breaking the law! What is the CFPB going to do about this?? What is the point of the CFPB if it is merely a MEDIATOR?? I started sending these requests and received my first response from Experian ( illegally ) and they did not provide me the proper documentation and claiming it has been verified a MONTH before the declared pandemic. The company I am referencing in my complaints with Experian is : XXXX XXXX XXXX ACCT # : XXXX
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$150.00XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (HI)

I am writing to report and bring awareness to a recent letter I received in a fraudulent attempt to collect a debt from me, through a debt collection agency " Southwest Credit. '' Letter was dated XX/XX/2020 After checking with the " Creditor '' I was informed that no debt was ever owed to them and that my account was current. The Creditor also stated that they do not, and have never used this debt collection company to collect any debt. 

The name listed on the attached " collection letter '' is also not my full, legal name and not the name I have listed through the " Creditor. '' After contacting the debt collection agency " Southwest Credit, '' I inquired about the debt and how they got my information. The person on their toll free line stated they had " obtained it through the DMV, as people tend to move and they need a current address. '' I knew this statement was untrue, as my full name through The Department of Motor Vehicles is not what was listed on their letter. 

I am writing in the hope that people will not be taken advantage of by scams such as this. Many people whom do owe money may have not been aware or taken the steps to investigate the legitimacy of this intent and would have been taken advantage of.
Consumer complaint received 2020-05-19
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. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.