davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Quite some weeks ago I filed concurrent complaints with the CFPB, XXXX, TransUnion, XXXX   and XXXX about the volume of unsolicited and patently illegal credit offers appearing in my mail boxes. 

In my complaints, I obviously requested to " opt-out '' of such offers, however I also made explicit inquiries with EACH of those listed about about how and to whom they made decisions about provided my personal information without my consent ( including lenders offering lines of credit at 350 % to over 500 % APRs ). 

Let me be clear about the concerns I expressed - XXXX, TransUnion, XXXX and XXXX each sold or otherwise provided my personal details for lenders ostensibly operating from Tribal territories, who sent me reams of unsolicited credit offers that violated US consumer protection laws - and EACH of those listed failed to even acknowledge my inquiries, let alone respond. 

Similarly, CFPB failed to follow-up or provide substantive assistance as well. I can tell that CFPB did little more than forward my inquiry to these firms. 

All listed should know that I am compiling a comprehensive record of the offers received, but my complaints and concerns provided, and the response ( or lack of response ) from those listed, to provide as an investigative file to the XXXX XXXX. The XXXX 's investigative teams seem to see parallels between current lending trends and rates of fraud and other illegal behavior, and the 2008 financial system crash. I happen to agree.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc. (SD)

These last two days I had an opportunity to go through my paper mail received via USPS. I encountered a letter on a Convergent letterhead with XXXX XXXX XXXX , XXXX listed as the creditor. This caused a bit of distress as I thought a debt was owed to the United States Government by my person. 

Upon closer inspection, I noticed that the original creditor was XXXX XXXX XXXX XXXX, an XXXX partner company whose operations where discovered by a Pizza delivery guy. I thought I'd mention it because I attended XXXX school which resulted in my tires being blown out on the freeway twice, being shot at, having my car wrecked through a " vehicle commandeering demo '' and various other legal issues. 

This debt is from XXXX and I believe attempting to collect the debt is a violation of The Fair Debt Collection Practices Act and the Fair Credit Reporting Act as it is way past the four year statute of limitations period, we are now in XXXX and the letter was dated in XXXX of this year.
Consumer complaint received 2018-11-30
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: FIRST REPUBLIC BANK (CA)

I was applying for a bank account for a XXXX XXXX XXXX at First Republic Bank and I gave my SSN and did not authorize them to run my credit but they ran it anyway. This is unacceptable banking behavior and I hope you can let them know their mistake and remove the negative points on my credit report.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NJ)

XXXX XXXX was my servicer and they no longer exist. Mr. Cooper/Nationstar handles the accts.I have amn open acct and showing delinquency after the mortgage was transferred in XX/XX/XXXX. I spoke to XXXX regarding this and they stated it is the responsibility of Nationstar/Mr Cooper to fix. Here is the complaint number XXXX for XXXX. 

nationstar does not want to fix it as they are stating XXXX put it on and has to fix however no one is at XXXX and it no longer exist
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I spoke to someone at Santander in XX/XX/XXXX about my trouble making payments due to heath issues pertaining to my accident in XXXX. The gentleman to spoke with him XXXX assured me that if I made I payment before the XXXX of the next month that they would not report as late on my credit report. They will not defer my payment because the car was totaled, and I am having trouble making payments.
Consumer complaint received 2018-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My identity was stolen and my credit card was hacked. Charges were made over the course of 2 months by the time i noticed the charges. Charges started in XX/XX/XXXX and fraud was reported first week of XX/XX/XXXX. Capital one refunded the amount of all the fraudulent charges and a few months later they said their investigation determined there was no fraud and they charged me for approximately {$14000.00} worth of fraudulent charges. The gentleman investigating the fraud, XXXX, would not allow me to submit additional information to prove that the charges were fraud. Charges were made in multiple cities/states on opposite sides of the nation and i had proof that i was not even in the same state as some of these charges. Capital one was unwilling to work with me, unwilling to share information of their investigation, unwilling to accept any additional proof that i did not make charges, and XXXX refused to connect me to a supervisor. He told me that if i didn't like his decision that i would have to hire a lawyer. He refused to give me any information ( email, address, phone # ) that i could have a lawyer reach out to as well. I have had to pay the full amount of fraud to avoid any interest charges and i am looking to be made whole, either through the consumer finance bureau or through legal action.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, XXXX PST, I received an email from chase saying I was approved for a chase XXXX preferred card. I received the card XX/XX/XXXX. I attempted to activate the card at XXXX XX/XX/XXXX to find that the account had been closed before I could active the card. I called to inquire why, they told me after having approved me and extended me credit, some other, unknown department did some extra due diligence to decide not to extend me credit ultimately. They ran my credit, extended and approved my credit line based on my credit report that they pulled and then denied it. This is not how the credit process works and it unacceptable. This is a bait and switch tactic and is in violation of the Fair Credit Reporting Act. I asked them to remove the inquiry as I've worked extremely hard to improve my credit score over the last 2 years. My XXXX  score is XXXX, my XXXX score is XXXX and some how they are saying my XXXX is XXXX. They've denied my request to remove the hard inquiry to my credit report and have not extended the credit they approved me for.
Consumer complaint received 2018-11-30
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: Diversified Consultants, Inc. (VA)

I been disputing this account on credit reporting since XX/XX/2018, I have constantly try to explain to Diversified Consultants and the credit bureau that I never had cellular service with XXXX. I was with a company name XXXX for 17 years until they left this area, then I went with my present company ( XXXX XXXX XXXX ) been with them now 4 years. I have disputed this account continually with both Diversified and the reporting credit bureau and they keep tell me that the account is being verified. I asked for copy of any viable evidence, bearing my signature or any trace or payment I made to this account and neither company could not show any proof
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Coradius International LLC (CO)

American Coradius called my father and left a voicemail saying she's with American Coradius and is attempting to collect a debt and gave my name. She also left a reference number to use when calling back.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I was in the process of buying a car and found out my birth date was wrong. It was shown that my birth date was in XXXX ( don't recall the date ) not my real birth date of XXXX XXXX. What I would like to know is how my birth date got changed and why I had to correct it with one of the credit reporting companies but I had to sent a copy of my drivers license to them to prove the correct date. I didn't like the idea of sending it to them possibly a way of my identity being stolen. How did this information get changed to begin with. Euquifax was the credit outfit I contacted and that was a production dealing with them.
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion is failing to report three accounts, two from XXXX and one from XXXX XXXX that should appear on my credit report. 

I have made six ( 6 ) written requests to correct this omission starting back in XXXX  of this year when I cited the XXXX and XXXX XXXX XXXX. 

In response, TransUnion deleted the one remaining XXXX account from my file ( XXXX  ) and since then have failed to return them to my report. 

I have contacted customer service for both XXXX cards and XXXX, and they all emphatically declare they are reporting all of my accounts to TransUnion but that, for whatever reason, TransUnion is failing to include these accounts on my report. 

It has been 90 days since my initial request and over 60 days since they erroneously deleted the XXXX account.
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (VA)

I leased a XXXX XXXX XXXX from Honda Financial Services. On XX/XX/XXXX I returned the car to a Honda dealer, and sold it to my daughter and son-in-law. The dealer removed the old tags and put on new ones. I was assured the old tags would be returned to Virginias DMV. I XX/XX/XXXX I received a notice from Honda Financial that  I owed {$450.00} for a personal property tax bill for calendar year XX/XX/XXXX. 

I attempted to contact both XXXX County taxing authority and Honda Financial to rectify this situation. Honda Financial informed me that they have requested a refund from XXXX County, but if I did not pay the property tax for XX/XX/XXXX, it would affect my credit rating. 

I believe it is wrong for me to have to pay for what appears to be Hondas failure to notify XXXX County about a change in ownership, and I believe even stronger that taxing someone for property during a period of time when they did not in fact own that property, and havent owned in over a year, is wrong.
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX, I applied for the American Express Gold Card with the promotional offer ( spend {$2000.00} in the first three months and get 50,000 Membership Reward points. Also, get up to a total of {$100.00} restaurant tips reimbursed in the first three months ). Note that this credit card has a hefty annual fee of {$250.00}, and I sincerely believe that the promotional offer was one of the biggest reasons that I applied for the card and wanting to become a long-term AMEX customer. 

Yet, when I noticed that my restaurant tips were not reimbursed and contacted the consumer service ( on XX/XX/XXXX ), I was then notified that my card-opening promotional offer was declined and there's no way of re-approve my promotional offer. 

During my application, the application specifically stated that the application that I have submitted came with the promotional offer. In fact, the promotional offer was on the side both when I was typing in my application information and after submitting my application information. My application was instantly approved within 1 minute of submission. Yet, I was not notified of any rejection of my welcome offer either during the application or after the application approval. My notification of promotion offer rejection only came after I contacted the consumer service about it on XX/XX/XXXX. 

I find Amex way of promoting credit card applications fraudulent and misleading. I felt being lied to. Such behavior from AMEX is truly disappointing and insulting.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2018 USAA Bank withdrew, without authorization, enough money to overdraw our checking account, causing a large number of Overdraft Fees. The amount of the withdrawal was {$300.00}, and the total amount of overdraft fees caused by that withdrawal was {$170.00}.
Consumer complaint received 2018-11-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

My home was damaged by a hail loss on XX/XX/2018. XXXX insurance promptly handled damage appraisal and issued a check for the amount of {$19000.00}. The check was endorsed by my wife and I, and The Money Source ( TMS - the Mortgage Company involved ) co-endorsed and released the check to XXXX XXXX XXXX XXXX ( the contractor installing the new roof and guttering, and completing the other repairs required ). There were additional repairs and costs that required a supplemental claim settlement and on XX/XX/18 XXXX issued the final check in the amount of {$2300.00}. My wife and I endorsed the check and forwarded it to TMS as we had before. 

It was at this point I started receiving notices form a company calling themselves " XXXX '' requesting additional documentation. I tried to log into their website on several computers utilizing both XXXX  XXXX and XXXX  XXXX utilizing XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Both operating systems and all browsers returned the same message - " Hmmm, we are having trouble finding that site '' or " Server not found ''. When I called TMS Insurance department - on several occasions - they requested one document after another, saying that XXXX was handling the check but their records showed that ( and each time it was a separate document ) was incomplete, signed in the wrong place, or some other excuse. 

I can't just pay XXXX, I wouldn't be reimbursed because the XXXX issued check was made out to me, the wife, TMS, and XXXX XXXX. The contractor wants their money, and this will end up in collections soon. if not resolved.
Consumer complaint received 2018-11-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2018 Amount {$1900.00} BANK OF AMERICA CREDIT CARD AMEX The fraud team has investigated this claim 5x and has provided no substantial information as to why my claim was denied. I did not have my card in my possesion nor recognize this charge on my account. I called BANK OF AMERICA immediately as soon as the charge was billed to my account, I have called numerous times to speak to the investigation team to give them all the information I can. Multiple times I've been promised a call back and have not received one.

After the 1st denial of the claim, I reopened the claim because the associate did not note if I had the card in my possesion. I told the representative from BANK OF AMERICA I DID NOT have my card in my possesion when the charge was made. 

This ongoing issue has been more than three months and everytime the claim gets reopened and closed ( 5x ) I am not given a reason as to why. I need this issue revolved as I did not  make this purchase.
Consumer complaint received 2018-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Management Outsourcing, Inc. (GA)

I'm being charged a debt of over {$2000.00} to a hospital that filed for bankruptcy shortly after I visited it back in XXXX and now it shows a debt opened in XX/XX/XXXX and i didnt even go to the hospital then because it was closed and working on getting a new owner/company to take over. I never received anything in the mail that I even owed anything to this hospital before it closed. Then all of a sudden I check my credit report and boom its on there!
Consumer complaint received 2018-11-30
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. (TX)

Account Name : XXXX XXXX XXXX Account Number : XX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/2018 Status : Collection account. {$1400.00} past due as of XX/XX/2018. 
Status Updated : XX/XX/2018 This is the information from Experian. I did not under any circumstances open anything in XXXX. This debt/account does not belong to me.
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc. (MN)

Been dealing with diversified consultants once again I need them to verify the debt and not with a itemized bill I need something thats bearing my signature and also diversified is not licensed or bonded in the state of Minnesota to collect the debt please verify my signature and not a itemized bill or else I will proceed to take court action.
Consumer complaint received 2018-11-17
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: JPMORGAN CHASE & CO. (CA)

Victim of scam, no history of large purchases on account, but recently was contacted by loan company who advised to use credit card to buy gift cards for loan purposes and the loan company will pay the balances on credit card. The balances were paid, but the payments made by loan company were all returned unpaid approximately 1 month later. The loan company bounced payment checks after using aggressive tactics to force the purchase of gift cards. The loan company even sent drivers to transport to and from the various locations to purchase gift cards. Obvious scam on a elderly persons account. The balance accumulated from the scam is being charged anf bilked, and the credit has been revoked
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (UT)

On our around the XX/XX/XXXX, 2017, I received a Lexis Nexis report in the mail. I do not know why I received this report. Some information on the report is inaccurate. I tried to call the number listed on the letter to inquire about why I was receiving the report. I gave them the case number listed on the cover letter of the report and they said they did not have that number on file. They then told me I would need to give them my social security number and other information to determine who had ordered the report. I refused. I 'm not sure where to go from here but I do not feel comfortable with the situation and I am having trouble finding information about why I would have received this report. I do not know where to go from here. 

Thank you for your time and consideration.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Good day, please take this complaint seriously as my life and my future is at stake in here, this has been stressing me out for months because of your continuous reporting of false and inaccurate information on my credit which is a blatant violation and insult to my rights as a consumer. I am getting rejected for new credit applications because of these errors which has been absolutely frustrating.
Consumer complaint received 2018-11-30
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: EQUIFAX, INC. (FL)

I submitted complaint # XXXX on XX/XX/2018 advising that I am unable to log in after creating an account, so I can not self service any freezes and unfreezes. 
Along the way Equifax illegally put a freeze on my account after I specifically told them NOT to because I want this to be self serve, and along the way I was told it was fixed which it was not. 
We're not 60 days out from my initial report and as of ten minutes ago I still can not log in. 
This needs to be fixed TODAY. 
If it can NOT be fixed TODAY Equifax must delete ALL of my data and never collect it again, since they are not capable of conducting the business they're in. 
Still open as of XX/XX/18 XXXX XXXX So now here 's a third complaint. 
I want a phone call within the hour from the executive offices at Equifax and that call will tell me that the problem is fixed.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.