davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA. No matter what I report to my own bank they laugh at me over charges fraudulent charges I have to fight for them to file with the FTC. I found over {$210.00} in overage charges from XXXX the teller last night actually told me I dont know what youre talking about Im sure XXXX did this I had to fight her and say no its all over the news they been hacked. And late XXXX of this year my husband actually took off for two days we were very worried I was on the phone with XXXX and USAA pointing out that there was a with drawl straight out of our savings the lady told me that it went somewhere in Texas he had left not 24 hours before without a car. They sat there and laughed at me while I reported my husband missing something weird is going on with this bank they treat me like XXXX and they take my money and laugh at me
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I not to long ago checked my credit reports. All three reports showed there were several missed payments. This is incorrect and inaccurate. My XXXX XXXX Card has never been paid late. I have tried to get this issue resolved but have not been able to get any assistance from the representatives. No one has been able to explain to me how errors of this magnitude were able to placed on my reports. It seems they are not willing to help in any way. This issue has been very stressful and is causing me to not be able to get new credit. Not only that, but also preventing me from being able to get approved for a higher credit limit. I have been stagnated with a {$300.00} credit limit even though I have made all of my payments on time. Yet I receive several offers from XXXX XXXX for a Auto Loan of upwards of {$5000.00}. This is an error on the part of XXXX XXXX or the Credit Reporting Bureaus. I would like this issue to be resolved and deleted from my reports. So that I can continue on with my life.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

Chase freedom credit card charge everey month a purchase fee whather you use or not the credit car a monthly purchase interest fee of {$21.00}. A total of {$250.00} that is insane my payment is XXXX wich {$21.00} goes tours the purchase interest fee. Only {$15.00} goes tours the monthly payment at this rate I will never finished the debt. I have 2 jobs is very hard to keep up with monthly payments but this is outrages. Chase Freedom credit card
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

On XX/XX/18 I spoke with XXXX from AmSher who said she was collecting a debt owed by me from XXXX XXXX in the amount of {$89.00} for reasons unknown by myself, the debt collection company nor XXXX XXXX. XXXX XXXX can only tell me that it was an account in my name and was closed over 12 months so they have no information. I would have no reason to open a separate account in my name alone at the same address that I share with my husband. We had an account in both our names. There was no separate account in my name only and so a fraudulent act has been committed and AmSher is trying to get money from me that is not owed.
Consumer complaint received 2018-12-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have mailed notarized FTC affidavit and a notarized FTC report to Portfolio Recovery Associates!! they keep reporting this fraudulent account to XXXX but have removed from XXXX   and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!
Consumer complaint received 2018-12-23
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. (WI)

I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Consumer complaint received 2018-12-23
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: EQUIFAX, INC. (WI)

I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Consumer complaint received 2018-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe TransUnionXXXX are colluding with XXXX XXXX. I filed a report with CFPB against XXXX XXXX in XX/XX/XXXX ( Complaint Number XXXX ). Since that filing TransUnion dropped my score 237 points. XXXX  has the same information and my score remains in the 600 range. Also TransUnion will not give me online access to my report or the ability to dispute it online which is a violation of the FCRA act. In addition they are allowing XXXX XXXX to reset the clock on a debt and report it as started in XX/XX/XXXX that was opened in XXXX and removed last year when I provided proof it should not be on my report. The other violation is with the other collection agency, XXXX XXXX XXXX. I have provided a statement from the XXXX XXXX XXXX stating I don't owe them any money and have contacted their tenant screening division with this documentation and they will not remove it from either reports. 

I have the same issue with XXXX which dropped my score 206 points and will not allow online access to my report nor the ability to dispute online. They are both doing what's in the best interest in the creditor and harming me the consumer. I am working hard to manage my credit and debt I don't feel I should pay the penalty because the bureaus are intimidated by creditors and collection agencies.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. 
At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. 
Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. 
They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! 
The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.
Consumer complaint received 2018-12-23
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. (NJ)

I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.
Consumer complaint received 2018-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC. (TX)

1. Date opened XX/XX/XXXX was notr loan for XXXX i wasnt with spouse as of XX/XX/XXXX so i never signed ok for a note loan on a vehicle i wasnt even on for the amount of XXXX, we stopped living together as of XX/XX/XXXX No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize
Consumer complaint received 2018-12-23
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. (GA)

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section  requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Consumer complaint received 2018-03-01
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. (IL)

have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.
Consumer complaint received 2018-12-23
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. (GA)

XXXX XXXX ( Several accounts in my name that are negative ) I challenge the accuracy, compliance and reportability of this listing. 
no valid claims ... accounts were settled with my assistance provider and I was informed that no late fees would be reported because of their delays and system issues with processing my aid ... grave errorsfalse claims and reportingI want these accounts rectified immediately or litigation may follow. You can not report late payments that are incorrectthis is unlawful You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I have previously disputed the above-mentioned student loan payment history. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, you are in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433.

The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid.
Consumer complaint received 2018-12-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WV)

I have made payments on this account consistently with a program called interest rate reduction. On XXXX started paying XXXX. I was told about a co-signer release upon making payments which I have consecutively and have proof, they not only disqualified me for interest rate program they know wont let me release my co-signer. And my payment went from XXXX XXXX to XXXX XXXX. No explaination just whats due and due date??? Since XXXX I have paid almost XXXX $ and have got no where and they wont work with or release my co-signer which is my XXXX XXXX and help me they just keep increasing and adding XXXX $ in interest for the last 7 years and I cant get anywhere with none of my loans as Navient. I am being taking advantage of someone who is tryin to make payments and be current and they have no options available to me and single full time working mother, that didnt graduate because of medical condition when I left college in 2009 and never graduated, burden of trying to make ends meet. This is the only loan I have really looked at concerning the lower payment and co-signer release. I was promised time and time when entering automatic payment withdrawal over XXXX months I would be able to release my co-signer, every time they wouldnt do it and would lie and make excuses.
Consumer complaint received 2018-12-23
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 (CA)

To Whom It May Concern, I opened an American Express ( AMEX ) Gold Card because AMEXs promotion, which I signed up for, where I would receive XXXX American Express Membership Rewards ( MR ) if I hit a minimum spend of {$2000.00}. As of today, XX/XX/2018 I have hit that minimum spend and have exceeded it, spending on a family trip for my upcoming family reunion, other miscellaneous household items, restaurants, and family expenses as I do NOT engage in Manufactured Spending. However, upon checking my account balance on the AMEX website on XX/XX/2018 I found that I still have not received the said XXXX  MR bonus points. I spoke to AMEXs customer service on XX/XX/2018 to inquire about this issue and was subsequently transferred to the Executive team and spoke to customer service representative, XXXX. This female representative explained that I would NOT be receiving my points despite my signed agreement with AMEX. I was told that there was some type of activity of misuse under my account and I was not eligible for the bonus points that was agreed upon. I asked the representative if they could further explain the situation and they would not give me further explanation. Moreover, I asked if I could appeal or speak to someone regarding AMEXs final decision and they said that they could not do so. I believe that AMEX has been engaging in deceitful and predatory marketing practices leaving middle class customers, like myself, to fend for themselves without recourse or even a fair playing field. 

I appreciate the CFPBs help and support in this manner. Thank you.
Consumer complaint received 2018-12-23
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: Globe Acceptance, Inc. (IA)

I obtained a loan from XXXX XXXX for a car I could not afford. I purchase another CAR FOR 25 % Intrest an pay over XXXX per month. I need help.
Consumer complaint received 2018-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. 

I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. 

Also, there is no account number listed.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (TX)

Out of the blue I decided to check my credit score and my old XXXX email and came to the realization that loans credit cards time share and emails that were sent out because of with the attempt or success of using my identity to open all sorts of accounts and trying to file taxes because my XXXX acct has been compromised as well. It was done without my knowledge or approvaland it's been going on for mos. I will allow you access to both of my accounts that prove fraud. XXXX XXXX is the pswrd for both. XXXX i did see the name XXXX XXXX. Thank you.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (CO)

I opened a new checking account with BBVA Compass Bank and took out a personal unsecured loan for {$4000.00} at the same time. The bank was offering a promotional incentive of {$150.00} when taking the loan offer plus a ACH deposit into the checking account Since I receive Social Security monthly as a ACH deposit into a bank account of my choice. 
On XX/XX/XXXX I received {$50.00} for the monthly ACH deposit into the checking account. However, the loan which was to pay {$100.00} for taking out the loan at the same time as the checking account has not yet been deposited into the checking account as of XX/XX/062018. 
I spoke with a manager who said she would look into it. There has been no action taken on this matter.
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

An account with XXXX XXXX was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to portfolio dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month