davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/XXXX American Express closed my account without warning while under dispute due to the result of a severe case of identity theft I suffered and which had been reported. I provided American Express with a lengthy document outlining their adverse actions which were based on fraudulent information. I never received a reply to this certified document submitted on XX/XX/XXXX. The reasons given for account closure by American Express were due to my suddenly decreased credit score which was due to fraudulent information being reported by XXXX in response to credit card fraud.

After my accounts were closed, I received correspondence from American Express as well as verbal acknowledgment on several recorded phone conversations that my rewards points would be cashed out and applied to my remaining balance as long as the account was current. I consistently made payments to equal to the balance minus the disputed billing errors which should not have been held responsible for. Despite the account being held current the rewards points were never applied to the balance. Additionally, American Express closed out the billing errors being disputed stating I failed to provide the requested documentation. This statement, however, was inaccurate as I provided all the requested documentation when initially filing the dispute. These documents, despite being uploaded directly through the American express portal seem to have been consistently lost by the billing dispute agents working the case.

The balance on my Amex platinum card has been paid in full and never past due or delinquent with the exception of the amount in dispute. I even paid the balance which should have been removed by the redemption of my rewards points.

To summarize, American Express has taken adverse action based on fraudulent information resulting from reported and documented identity theft which has almost all been corrected. They were notified of the identity theft via certified letter which was never responded to and even closed an account in dispute in violation of consumer protection laws.
Consumer complaint received 2018-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (PA)

I only knew about this alleged dept by checking my credit score. There are two accounts on there from Simon 's Agency with no additional information other than an amount and hospital name. I have made several disputes and have received no response. I had also submitted an XXXX proving I was insured and this alleged dept is false.
Consumer complaint received 2018-05-31
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. (NJ)

XXXX XXXX  and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX  DC XXXX

Dear, CPFB
I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code  1681b In general. Subject to subsection (e), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(F) otherwise has a legitimate business need for the information (i) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code  1681i, Paragraph (5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall- (i) promptly delete

The following inquiries are unauthorized: on *Experian Report*
Creditor: JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (FL)

Failure to provide ways to make auto payment. Site gives errors when payments are submitted. Bill pay payments undeliverable and always get hung up on Since day one of having this account i have had nothing but issues with BBVA. From website issues, payment solutions page always giving errors when making payments, being told to go online but then tells me my account is not found. I have incurred late payments due to this even when i try to pay on time!! I have been speaking with XXXX XXXX in regards to this and all proof was sent to him and he corrected a few lates and took payments manually for me. Everytime i call i get hung up on, told i will get a call back then no call back at all, left several voicemails for XXXX and no repsponse back. I was told to login to BBVA site create account and i can pay and view bill online. Once again says no account found, or system error when i use solutions page to pay. Issue not fixed when stated it was! Last i spoke to XXXX and he said he would look into this and get it fixed moving forward and have all lates removed from my credit due to this issue. Here were are again and now 60 days late because they wont take my payments, calls, hang up on me and site still not working and my bill pay via my bank comes back undeliverable as well! I received a call back and voicemail stating they were researching the issues to fix this for me and i called back and not one phone call back since!!! They blow up my phone in collections for manual calls but everytime i answer there nasty and rude and hang up on me, or wont get me to the person i ask for to resolve this and try to explain what has been going on and was told to speak with XXXX directly since he is handling this account for me. Then when i try to call and pay they don't answer, hang up on me, or no automated payment system to even pay with! I can't even trade car in now because of all the inaccurate late pays they reported which were all from their website and payment issues. I have found out as well others who have this company are experiencing the same issues. 

I also uploaded a voicemail confirming they are researching the issues to get this resolved and fix my account and when they said for me to call back i did 2-3 times.. and not one call back or email to update me on anything. NOTHING WAS DONE!!
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC (PA)

There is an old account ( 2017 ) from previous marriage that was opened by exwife. Account was closed and charged off by creditor, XXXX XXXX. It was removes from my report for approx 6 months and has now resurfaced on my XXXX XXXX repport showing a nea balance of {$14000.00} under Spring Oaks Capital.
Consumer complaint received 2018-06-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Received HAMP modification in XX/XX/2013. Included a principle forbearance. Not one time in 5 years after modification did I receive any documentation reminding me about the forbearance amount or how to repay it. On the Wells Fargo statement it only included the payoff for the reduced principle. When I went to sell the home there was a lien attached as a second mortgage to some company whom I had never heard of stating that I owed XXXX dollars at settlement. I find this forbearance from the government should have been treated like a debt and made known at least monthly or yearly of the amount and I the consumer should have had the option of paying it down. Wells Fargo had no information about this debt even though they were the writers of the contract that included it. Every time I called for a payoff it never was mentioned that this needed paid off also. Two days before settlement is when I found out that I owed it and who I needed to pay it to. The company or the government should have given options for repayment to me at the time of the loan modification. I was never given this information. I feel like I was set up to fail in the end even though this program was meant to help struggling homeowners. They failed to disclose this information to me during the life of my home ownership.
Consumer complaint received 2018-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

Received 90 Demand letter dated XX/XX/XXXX while in active bankruptcy # XXXX. Contacted BayView Loan Servicing regarding mortgage loan # XXXX status. BayView Loan servicing did confirm status of account and could not explain why i am receiving phone calls and active attempts to collect debt. I sent in a formal dispute but to this date activity continues. 

Next, mortgage transferred from XXXX to Bayview on or about XX/XX/XXXX. There are at least 2 missing  payments and escrows have been overprojected over 1/6 above escrow pad. total Escrow balance they claim i owe is {$4900.00}. 

Finally, i contacted BayView Loan Servicing and was informed that BayView, in fact, does not have an escrow account set up for my mortgage when, in fact, i signed loan paperwork authorizing escrows with XXXX years ago. Until now, i've always had an active escrow account for XXXX XXXX XXXX XXXX, MA XXXX, my primary residence.
Consumer complaint received 2018-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I purchased tickets on XX/XX/2018 from XXXX using {$120.00} from a XXXX account tied to my Wells Fargo checking account. Scammer seemed genuine with name, email and phone, even calling. The funds were immediately accessed and no tickets forthcoming. I contacted Wells Fargo within about 2 hours of the purchase. Wells Fargo indicates they have no responsibility since I authorized the transaction. XXXX indicates I have to go through Wells Fargo. In researching this appears a new, common scam that should be more publicized through both XXXX  and Wells Fargo. These funds should be protected just as other funds that are fraudulently obtained.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

I recently turned in a XXXX XXXX XXXX leased vehicle and just traded another XXXX XXXX XXXX leased vehicle. BOTH had perfect payment history and XXXX XXXX XXXX has placed a 30 DAY LATE for each lease on MY credit and my wifes credit report AFTER the 1st was turned in and AFTER the 2nd was FULLY PAID OFF IN TIME which is FALSE AND INCORRECT. THEY ARE REPORTING FALSE 30 DAY LATES EVEN THOUGH PAYMENT HISTORY WAS PERFECT AND THEY WERE BOTH TERMINATED/PAID IN FULL 20 DAYS PRIOR TO ANY OTHER PAYMENT BEING DUE. THEY REPORTED THIS 3 MONTHS AFTER BOTH WERE TERMED/PAID OFF which is an ERROR on their part and creating a credit nightmare for me and my wife right now. 

They corrected 1 when I filed a complaint with the 3 bureaus and they JUST put it BACK ON MY CREDIT FILE AGAIN today. This has Never happened before with any finance company and I have NEVER BEEN LATE ON A PAYMENT WITH ANYONE!! XXXX IS FRAUDING ME AND OTHER CONSUMERS BY DESTROYING THEIR perfect credit. I believe it is because I DID NOT PURCHASE/LEASE ANOTHER XXXX someone needs to start a class action lawsuit to stop them!!
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

ON XX/XX/2018 I MADE A PAYMENT TO XXXX XXXX XXXX FOR {$430.00}. THE CONSUMER WAS SETTLED IN FULL AND IN RETURN WAS SUPPOSE TO BE REMOVED OFF MY CREDIT REPORT WITHIN 45 DAYS. IT HAS NOW BEEN ABOUT 2 MONTHS AND INSTEAD THEY JUST UPDATED MY REPORT SHOWING THAT THE ACCOUNT IS NOW CLOSED. I HAVE TRIED TWICE DISPUTING IT WITH THE CREDIT BUREAUS BUT NOTHING HAS CHANGED. THE ACCOUNT IS STILL ON MY CREDIT REPORT SHOWING CLOSED. I TRIED CONTACTING THE COMPANY AND BEEN GETTING NOTHING BUT LIES. THEY TOOK MY PAYMENT KNOWING THEY WERE NOT GOING TO REMOVE THE ACCOUNT OFF MY CREDIT REPORT. THIS HAS NOW BECOME OVERLY FRUSTRATING, WHICH I AM TRYING TO REBUILD MY CREDIT TO PURCHASE A HOME.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review. 
My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (TX)

I have contacted XXXX XXXX ( Exchange Credit Program ) and submitted letters validating this debt, and documentation that this debt was opened under duress from my ex-husband and that it was assigned to him in the divorce proceedings. I also submitted a cease and desist notice regard inaccurately reporting this information and unfair debt collection as they have garnished over {$5000.00} from my income tax returns and the balance never decreased respectively and I never received notice that this debt was delinquent when they began the garnishment. As it was assigned to my ex-husband and I moved away, I had no knowledge of the accounts delinquent status. I submitted court documents proving he was responsible I even provided his contact and personal information.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review.

My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (IL)

In XX/XX/XXXX I was involved in Chapter XXXX  Bankruptcy which required a notice of bankruptcy to be provided to all existing creditors. Upon dissemination of the notice some creditors took immediate action and closed my existing account. Since the bankruptcy involved a commercial loan and not my personal credit or loans I had every intention to pay any existing obligation as agreed. On the store card in question with XXXX  there was no existing balance and I continued to use the card and pay any existing balance on the statement. The Bankruptcy was closed in XX/XX/XXXX and a schedule to pay the commercial lender was established and all other existing creditors were reaffirmed and paid as agreed including XXXX. In XX/XX/XXXX XXXX   arbitrarily closed my account due my bankruptcy which was closed since XX/XX/XXXX. This action has become to sole reason for rejection of my credit application with XXXX XXXX XXXX, stating that XXXX XXXX  action has started the bankruptcy clock all over again so instead of being over 48 months since the close of the bankruptcy I am less than year per XXXX XXXX XXXX 's policy. I owe no money to XXXX I was never late with any payment to XXXX. If XXXX  wished to close my account or report in in bankruptcy they need to report while the bankruptcy was open not after it has been closed for 4 yrs. This action adversely effecting my ability to obtain credit. It is a violation of the bankruptcy code for any party to report/take adverse action after the bankruptcy is closed. This action by XXXX   is unfair and is the direct cause of creating an unfair and harmful financial decision by a third party.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX XXXX XXXX closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. XXXX XXXX did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called XXXX XXXX and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without XXXX XXXX having alerted me, or informed me of the money that was due or the new account. 

Please help me fix my credit score.