davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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. (FL)

On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that Transunion showed a hard credit inquiry from the same day for " XXXX XXXX XXXX ''. After trying to find out who that was and determine that it is XXXX XXXX equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business XXXX, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with Transunion and they won't do anything because they say that XXXX XXXX XXXX shows a legal right to pull the report. Both point fingers at each other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.
Consumer complaint received 2020-01-21
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. (MD)

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged on Equifax and it has been removed completely from my XXXX and XXXX  reports. It's XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed from my Equifax report.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB (FL)

This complaint is regarding State Farm Visa Rewards credit card I've had the card a short time which I receive in XXXX first payment was due in XX/XX/2019 I downloaded the app in order to make my payments Made a payment on XX/XX/XXXX which was early which I do with every card I have On the application I opted into paperless I no longer have any mail I may check it once a month When I did receive my mail I seen that they did a reversal which you will see on a screenshot that I will provide as an attachment of {$30.00} and then they applied a {$25.00} return fee as soon as I received this letter I called the number in the letter which I will also attach but this will be one letter of two letters which is the most recent letter I received regarding the same issue as I said I called the number in the letter they went ahead and made an adjustment on the {$25.00} return fee due to the fact that they realize that there was an incorrect account number that they had assured me was corrected Same issue occurred on XX/XX/XXXX when I paid a {$35.00} payment early as you will see in the screenshot I will attach that was also reverse and a {$25.00} return fee attached to that and that is the issue I'm complaining about I contacted State Farm agents regarding this issue I spoke to several different agents no one was able to resolve the issue or assist me they didn't have the resources they had told me, to adjust the {$25.00} return fee but when in fact they were able to do that in XXXX as you see in the screenshot I requested a corporate number they informed me that it was against their policy to give out a corporate number but the agency was able to request that for me and send it to corporate that I would receive a phone call within 24 hours which I never received a call from corporate regarding the adjustment for a {$25.00} return fee Simply put my complaint is poor customer service not able to assist the customer properly to resolve an issue Giving false information regarding that an issue was resolved no corporate number for complaint department available that the customer can find easily No email sent regarding the issue at hand, when many people today don't need to check their mailbox as many of us as I explained to them does everything online text or email
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

On XX/XX/24 I received notification of a lawsuit for {$1000.00} in mail regarding a debt that is not mine. I contacted company aka lawyer four times since then and received only one mailing - after requesting proof of debt, this law firm mailed me fraudulent statements which I have responded to via fax 3 times. I have yet to receive anything about this lawsuit being dropped.
Consumer complaint received 2020-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

- [ ] Addresses * XXXX XXXX, OH XXXX * XXXX XXXX, OH XXXX - [ ] Collection account ( no knowledge of this however noticed there are late payments, from my understanding collections closed are not supposed to have a payment history of late payments. ) XXXX XXXX Original creditor : XXXX  XXXX XXXX {$470.00} <1 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX - [ ] Closed accounts - [ ] inquiries XXXX XXXX XXXX XXXX XXXX XXXX - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX  XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (DE)

A medical collection agency is reporting a bill on my credit report which is against the law. My employer has paid the debt and nothing should be paid and this account should be removed off my report by law.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CO)

JP Morgan Chase has charged me over XXXX of overdraft fees this year. They have structured and held items to maximize the amount of the fees. I have had some family and health issues that have caused my account to dip this low but I still have a good direct deposit coming in every month. I pleaded either them for a third of the fees to be waived which would still leave them with approximately {$2000.00} in fees raked in on the year from my account. They would not waive a single fee for me which just plunges me deeper and deeper into the hole.
Consumer complaint received 2020-01-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prime Recovery LLC (AL)

I received a call from XXXX XXXX XXXX, Esquire General Counsel For Prime Recovery, LLC on XX/XX/2020 about a payday loan obtain online with XXXX XXXX. The amount owed at the time was {$300.00}. Now, the balance is {$1800.00}. The issue is, this company has refused to stop calling my job number and/or my cell number. I have told them a total of 7 times. I told them I needed information in writing and XXXX became very irate and disrespectful. I know their calls should be recorded but please check into this debt collector. XXXX refused to listen to me and has called my job not once, but four times within ten minutes. I received another call on XX/XX/2020 at my place of work again. I hate being talked to rudely and the caller felt the need to tell me that, " I can't pay my bills and you just wasting my time! '' So instead of sending me documents on paper, he emailed me some made up XXXX bill. I've never heard from this company in the past and never received a letter or anything pertaining to the balance.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (PA)

Today is XXXX XXXX I put in a dispute with American Express serve XX/XX/XXXX, today they declined my dispute and on top of everything declined to close out my account I have a XXXX and receive my government benefits direct deposit myself and son have medical needs I cant get his medicine because they also decided to take my money and close my account now Im struggling to figure out what to do very upset
Consumer complaint received 2020-01-21
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. (FL)

XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX balance
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Davis, Pickren, Seydel & Sneed, LLP (CA)

In XXXX I left employment with Platinum Roofing and resigned as CEO. In early XXXX and again in late XXXX XXXX XXXX dba XXXX XXXX XXXX was notified that I had separated from XXXX XXXX and was not responsible for their debts as of the end of XXXX. I was repeatedly told by XXXX XXXX XXXX of Davis , Pickren , Seydel & Sneed , LLP that XXXX XXXX dba XXXX XXXX XXXX was going to file suit. On XX/XX/XXXX I received notice of suit for debt in the amount of {$310000.00} naming myself as responsible and a personal guarantor even though XXXX XXXX, the law firm of Pickren , Seydel & Sneed, LLP and XXXX XXXX dba XXXX XXXX XXXX had been clearly notified multiple times of my removal from all debt and guarantees from XXXX XXXX.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I opened an account with M & T bank on XX/XX/XXXX online and walked into the bank to make a cash deposit of XXXX the same business day. At no point was I provided written or electronic notice that a hold was being placed on my account, or that I needed to provide verification until I came into the bank on XX/XX/XXXX to withdraw funds from the account and was told I could not and was not given an actual hold release date. I provided M & T with a copy of my government issued ID, my social security number, and a utility bill with my name and address and the branch manager copied and kept a physical copy of my personal information after it was submitted to the bank for verification. I called and spoke to several representatives and was given a different story with every representative. They explained that my mailing address was different from my home address, even though I used my home address to open the account. The instructed me to change my address online ( something that can not be done, you are only allowed to change your address in a branch ), and to resubmit the same information that I submitted only hours earlier. I went back to the branch and they could not give me a clear date for availability of funds, just that the verification process takes a couple hours to 24hrs to complete ( depending on who you talk to ). He still had copies of my social security card and ID hours after it had been submitted for verification and had not destroyed my personal information. They in fact made two copies of my ID and SS card and handed one copy to me as if they were providing me with the copy they made. I wasnt aware that there was a second copy until I went back to the bank to change my address and the branch manager said that he had my information on a fax machine and could send it over again as a courtesy. It has been 4 days and I still have not received correspondence from M & T about the original hold, nor any update to my account. I called within 24 hours and the hold was still on my account.
Consumer complaint received 2020-01-21
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: LEXISNEXIS (OH)

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.
Consumer complaint received 2019-10-17
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: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

BEING A VICITM OF AN IDENTITY THEFT REPORT MEANS SOMEONE HAS ALL YOUR PERSONAL INFORMATION EASLY CAN PRETEND TO BE YOU. THE PERSON WHO STOLE MY IDENTITY NOT ONLY OPENED FEW CREDIT CARDS HE ALSO HAD OPENED A CHECKING ACCOUNT WITH A BIG FINANCIAL INSTITUTION AND HE OR SHE MAINTAINED THE CREDIT CARDS THROUGH THAT FRAUDULENT ACCOUNT. I TAKE PRIDE IN MY CREDIT REPOT AND I HAVE BEEN TRYING TO FIX MY PROBLEM AND FINALLY REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE CHARGES ON THE CREDIT CARDS ARE NOT MADE BY ME, THE PAYMENTS THAT WERE MADE ON THE FRAUDULENT ACCOUNTS WERE NOT DONE BY ME. AS SOON AS I FOUND OUT ABOUT THIS THE ACCOUNT WAS CLOSED I HAVE GONE TO THE POLICE AND I HAVE FILED NUMEROUS IDENTITY THEFT REPORTS. I LIVE IN AN APARTMENT COMPLEX AND EVEN OUR MAILBOX WAS BROKEN INTO FEW TIMES NOT JUST MINE THE ENTIRE BUILDINGS MAILBOX. BEING A VICTIM IS DIFFICULT AND HARD TO DEAL WITH BECAUSE YOU DON'T KNOW WHAT THE PRDOR IS CAPABLE OF DOING, AND THEN TO DEAL WITH THIS FOR ALMOST ONE YEAR IS CRAZY AND UNFAIR. AND TO THINK THAT SOME ONE SITTING IN THEIR NICE OFFICE, WHO PROBABLE HAS NOT EXPERIENCED WHAT I HAVE HAS NOT HAD THE HEADACHE CAN JUST ASSUME THAT AND TEL ME THAT BECAUSE YOUR ACCOUNT WAS MAINTAINED FROM MY CHECKING ACCOUNT THIS AND THE OTHER. WELL I WOULD TELL THEM PLEASE PUT THEM SELVES IN THE SHOES OF THE VICTIM.
Consumer complaint received 2020-01-21
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. (CA)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (CA)

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX  Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX  {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

Freedom Mortgage Corporation is running a scam on their existing customers in an attempt to get them to refinance. MidXXXXXX/XX/2019 Freedom Mortgage contacted me and informed me that I was a premier customer due to my account status ( never late with payments ) and as a reward they wanted to lower my interest rate by 0.2 %. All I had to do was refinance my loan and they would pay for all the costs - XXXX  dollar out-of-pocket. When asked why they were doing this, their answer was that they wanted to keep me as a customer and not refinance with another company and reward me for being a premier customer. Bottom-line, they sent me through a refinancing exercise that ended up with a new loan amount that had a {$3900.00} increase over my current loan balance ( {$2700.00} of which covered the refinancing fees ). When I reviewed the final loan documents and noticed the {$3900.00} increase over the life of the note ( 287 months ) they responded by stating that actually I was no longer eligible for the loan due my retirement income stream and they were cancelling the application. Total scam. Wonder how many retirees are getting taken by this XXXX  ...
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

The property of Hunter Warfield in XXXX, Tx. 
I became ill unable to work.I went XXXX XXXX XXXX applied for help to pay rent. 
The Social Worker a young XXXX XXXX female Ms.XXXX  told me to wait about a week. 
I informed the Management Office they agreed to hold off filing the Eviction. 
After a week Ms. XXXX informed me that I was approved for XXXXShe told me that the stipulation was everyone who agreed to help had to have the donations in by Wednesday of that week.I informed her that the church has to have a meeting to get approval to proceed with the XXXX payment to help with the rent. 
Which would be by Friday or Monday. 
While we were waiting on the church to get the approval. 
Ms.XXXX  at XXXX XXXX XXXX decided not to help with rent.I begged her, the Management Office to allow me to get the rest of the funds from the church. 
They said no at the time we were one month behind plus late fees.I explained to the Judge my situation.I was working at XXXX .I began having health issues.They terminated me on XX/XX/XXXX.I was waiting to go to XXXX for my S S I hearing.After we threw our furniture on the curb in XX/XX/2018 .Being I'll and homeless they put in Texas State database that we owed them XXXX Then they sold it to the collections agency in Florida.I called to see if we could get the amount lowered? The head Supervisor said we had to pay at least XXXXl informed him that I only get XXXX a month.Even with 1.6 % raise in XXXX is only XXXX a month. if I had that kind of income we wouldn't have been Evicted .I would have paid them rent plus late fees.I had no control over my health issues.I feel that in situations such as mines they should not put it in the State database.We qualified for the government subsidy program for low income families.When I was honest and told them we had Eviction.She denied our lease it would have been a real blessing to pay XXXX a month for rent.We 're trying to get in a program where we can afford the rent.Not worry from monthly if we're going to be Evicted and Homeless again.Every where else they say you have to be making 3 times the rent.XXXX a month between my self and my Spouse .We 'll never be able to afford decent housing or affordable housing!