davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

We have a home mortgage loan on Freedom Mortgage for the property address at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX. I called freedom mortgage on XXXX XXXX to inqury about how much I should expect if I want to pay off my remaining mortgage. The representative told me to get the payoff quote on FreedomMortgage online. I specifically ask the representative if they will be any fee associate with the quote. The representative told me there will be no fee if I decide not to do the payoff finally, generate the payoff statement is free of charge. That's why I do the payoff quote online. But then I find out Freedom Mortgage charge me {$30.00} statement fee for the payoff quote on XX/XX/2021. This is unreasonable as I have asked before and was providing a misleading information.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

Experian : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( XXXX XXXX ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX  XXXX YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together XXXX. You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
Consumer complaint received 2019-03-24
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: MoneyLion Inc. (TX)

I disputed this account aroundXX/XX/XXXX/XX/XX/XXXX. They are showing my account is 60 days past due which it isnt Especially for the months XXXX, XXXX and XX/XX/XXXX. I've contacted the company several times. Wrote letters and complained to the XXXX. I've made multiple attempts over the phone as well to get this resolved. Several times over the phone when their System never took out onXX/XX/XXXX and XX/XX/XXXX I paid afterwards and they still weren't 30 days past due. The screen shots show missed payments on loan and yet the membership fees always went through
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (NY)

Hi, my name is XXXX XXXX. 

So, I noticed on my credit report on, or around about XXXX. That an negative action was on my credit report. I think it was from another agency. Then I realized that is was XXXX collection agency. I've never had a contract. or dealings with this agency. Just recently, after checking my report. Another company XXXX XXXX  reported on my report as well! Again I don't have contract, with these 2 agencies! I have call both credit agencies on this matter. They instructed me to contact both companies directly. I did so as of XX/XX/XXXX and XX/XX/XXXX. They both were very aggressive and rude. Telling me that these were my debts and I had to pay them. I disputed these several times. Always coming back as verified. I'm so exhausted and frustrated with this matter. I've contacted both companies to provide me with proof of debt. They never sent any to date. If they can not provide proof of originals debts. To please remove from my credit report. In addition to stop all contact and reporting to credit agencies. I'm so grateful to have found this free amazing service. Please help me in this stressful matter. 

P. .S. The amount for XXXX is : {$160.00} & XXXX XXXX _ {$740.00} Thanks XXXX XXXX
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022 an order was placed for a XXXX XXXX XXXX XXXX XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to Bank of America.
Consumer complaint received 2024-09-08
Product: Credit reporting 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. (NJ)

Hello, I need to dispute the following inquiries below from my TRANSUNION report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I never heard of these companies in my life. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXXXXXX XXXX  ( Bank ) - XX/XX/year>XXXX XXXX XXXX ( Bank ) - XX/XX/year> XXXXXXXX XXXX XXXX  XXXX Bank ) - XX/XX/year> XXXX ( Finance ) - XX/XX/year>XXXX XXXX XXXX  ( Bank ) - XX/XX/year>
Consumer complaint received 2019-03-23
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 is collection of merely ( {$1000.00} ) on my Equifax Account. I sent certified mails twice to Collection Agency which is XXXX XXXX XXXX to validate my debt. I have received no response. Also I spoke to XXXX from their company and send her email twice to validate my debt. No response. I have sent Equifax all the proofs of failure of collection agency to validate debt at their end. Still they are not removing inacurrate information from my cerdit file. I have sent equifax 4 times disputing the inaccurate information. Please help.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (TX)

I bought a Visa Gift Card from GiftCardMall.com ( run by BlackHawk ) for {$480.00} on XX/XX/18. 

The card was stolen in transit before I received it in the mail, and was used fraudulently. 

I contacted the company and was issued a replacement card, and was told to submit a formal complaint specifying the fraudulent activity in order to have an investigation that would lead to me being reimbursed for the fraud on the replacement card. I emailed in the required form to the BlackHawk network email specified on XX/XX/18. 

I never heard anything back from the company, and contacted by phone periodically to ensure there was nothing more that was needed, and each time I was told everything was fine and the the case was proceeding. 

However, this week I called and was told the case was inexplicably closed on the same date I sent in the formal complaint! However, nobody in the company is capable of answering why they are not reimbursing me for the fraud per their policy. 

In short -- I ordered and paid for a card with a {$480.00} balance, and I only received a card with a {$54.00} balance. I am still out {$430.00} the company owes me for the fraud between the time the card was between office and my mailbox. I have done everything asked to certify that I did not make the charges, and there policy is that I am not responsible for any fraud and will be reimbursed.
Consumer complaint received 2021-02-22
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. (SC)

Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is XXXX, Experian, and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.
Consumer complaint received 2021-02-22
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. (CA)

There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXXXXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX Amt {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$2200.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-02-22
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: Experian Information Solutions Inc. (CA)

Experian will not remove fraudulent charge offs on my credit report which I have provided evidence as well as disputed over 4 times each in writing for the same creditors. One of the creditors ( XXXX XXXX dealer services even provided me documentation stating their mistake which I submitted in dispute but expierian still has not removed account from file. On a dispute with XXXX XXXX, I expressed fraud 4 times in writing with certified mail and experian just continues to update file with no changes. During the submission period they break t he law my taking usually 45 days and not once sent me any s documentation from creditors showing evidence of validity
Consumer complaint received 2021-02-22
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. (MI)

Noticed some accounts opened on my report I never was aware of or gave my consent to open. 
I just fully got to see the whole run down on my credit report and I notice the problem and made a FTC report. 

I contacted the creditors multiple times! but they provided me no feedback to this inaccurate information on my report I asked that it be removed off. As it is against my rights to the fcraa. 

XXXX XXXXXXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX  XXXX {$21000.00} XXXX XXXX ( TransUnion XXXX XXXX XXXX XXXX XXXX {$650.00}. XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$710.00} XXXX XXXX {$8100.00}
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (VA)

XXXX will not take a equipment charge off my credit report so my loan is on hold this problem started when I did not receive there return label and after returning the equipment on XX/XX/2019. Paid the full balance that included a early opt out fee. The equipment was returned on XX/XX/2019 and I was given a credit but it is still on my credit report as unpaid causing me to shut down my loan process and the investor that wanted to buy my house is looking at other property now because my loan is on hold and I have asked XXXX to update my account and this have not been done after I filed a depute on this case. Equipment is showing I owe {$390.00} instead of paid in full!
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Equifax and XXXX  should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

This scammer from American Express called me at XXXX A.M. and I never used credit cards and I don't have credit card debt. And I've found out it's a high risk phone scam. And I've checked my caller XXXX, and it said, " American Express XXXX. '' I want them arrested!
Consumer complaint received 2019-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I originally opened this loan in XX/XX/XXXX. This company has daily finance charges that are unfair and take advantage of people in time of distress. Their percentages of the loan payoff are extremely high. At or above 30 %. I have been paying almost all interest and this loan has been going on for 9 years! I have finally paid this loan off but something must be done on the amount of interest they are allowed to charge the consumer. This is the following information from my XXXX printout. 

One Main Financial XXXX XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Original Creditor Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$10.00} Balance Updated XX/XX/XXXX Original Balance {$7300.00} Monthly Payment {$10.00} Past Due Amount Terms 60 Months Responsibility Individual
Consumer complaint received 2019-03-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Asset Management Holdings, LLC (TX)

I am attaching two sets of documents. The first document is written in full detail what I think happened to my second mortgage. The second set of documents is the entire accounting of my second mortgage. It is a very difficult case and has taken me over 50 hours to compile this information.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made money transfer from BoA to XXXX account on XXXX and the amount is XXXX XXXX 
It was confirmed to be available by XXXX XXXX. 
However money does not transferred yet.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (FL)

After several months of robocalls indicating that a member of our household owed debt and that said member should contact the collection agency. The calls were made by NCB Management Services , Inc., XXXX XXXX XXXX, XXXX-XXXX, PA XXXX ( or a subcontractor used by same ). We notified NCB by certified mail ( receipted by NCB on XXXX XX/XX/2021, USPS Certified Number XXXX XXXX XXXX XXXX XXXX ) to cease and desist in calling our home providing them with the guidelines set forth in Federal Trade Commission Act 805 Fair Debt Collection Practices Act ( As amended by Public Law 111-203, title X, 124 Stat. 2092 ). NCB made no effort to contact us to remediate the purported debt as set out in the above statutes. We continued to receive calls from NCB or one of its subsidiaries with the last being received on XXXX XX/XX/2021. Their continued harassment has caused us to remove our voice mail and even though their calling number has been blocked they use another number from which to call. We can not supply an account number as we do NOT have an account. They were calling our home seeking out a party by the name of " XXXX ''.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (PA)

For a year now, I have not had transactions consistently post on my credit card account and can't view or track purchases in real time. I have reached out to Apple Card 's support regarding this, with each attempt eventually ending in them quietly ceasing followup to the issue. This response is unacceptable, as being unable to view some transactions in real time both makes it difficult to track spending and also to identify a potentially fraudulent transaction. 

I previously opened complaint ID XXXX regarding this issue after losing count of the attempts to get Apple Card to take this seriously, only for them to call once or twice and then request that the complaint be closed with a promise to follow up with me to resolve the issue. It was inappropriate to close the request because the issue was not resolved, and Apple Card support has made no attempt to reach out and resolve the issue since closing it.
Consumer complaint received 2021-02-22
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. (CA)

There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-02-22
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. (MI)

Finally got a chance to see my full credit report so while I was checking I noticed some accounts I never had and I wanted to get them remove because I feel that they are inaccurate. I have filed a FTC report and I contacted the creditors multiple times they have not provided me with any information!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries i do not notice XXXX XXXX  XX/XX/XXXX Us Sm Bus Admin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Conduent Incorporated (WI)

Current I have An Wisconsin Pre Credit Card. In Which I receive Child Support On. I Have This Item For Many Years With out an Problematic Prior. 
Then And Now, I only Receive, If I'm Lucky, Less Than {$10.00} an Month. 
( Child Support ) Usually, theres Below Amount Monies Located On this Card. 

Recently, I noticed That My Card Is Over Drawn. As Of These Past Few weeks, Days, Amount Has been Going Higher. Currently at an Over Drawn at {$27.00}, And Climbing Higher. 

Footwork I've been Doing Of Trying To dissolve This Matter Has Been Nil. 
First, I contacted Child Support Office In XXXX, WI. ( XXXX ), Unfortunately, Of an Matter Of This, There Was Nothing They Were able to Do, They Suggested To Call The Number In the Back Of The Card. Which I did, Right away. Because Of an XXXX XXXX XXXX. 

In which they Were Located In Ohio. I wont Waste Your Time Of The Amount Of Times That I called, Within Last Thurs-Friday, And Monday. 
Called Ohio-Nothing They Can Do, It was an Wisconsin Case, Sent Me Back To WI., Which I just Got An general Infor Line, No Humans, Back To Ohio, I wasn't In there System, Or The other Rep. Said My Social Was In their System. Actually One Other Rep. Found Me In their System, Was trying To answer My Question. Was on Hold for 36 Minutes - Hung Up. Patience 's Were Done.

Back and Forth In the state Of Ohio. EPPI Card Inc.

Did Not get any Answers