davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also Experian had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past seven years, I have disputed a tax lien Trans Union has listed on my credit report every year with review of my annual credit report, and every year, Trans Union responds they have validated the tax lien. On XX/XX/2017, I finally went to the court house listed on my report to try to find record of this tax lien. The courthouse had no such records, yet Trans Union 's most recent response to me was that they verified the account -- as they 've responded for the past seven years. This has frustrated me because I do not own nor have ever owned any property that could be subject to a tax lien, and yet, for the past seven years, Trans Union has continued to report this innaccurate information on my credit report despite my multiple efforts to correct them.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (UT)

I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Approximately six months ago I was informed that Kohls department store was closing their store account and issuing credit cards from Capitol One. I immediately notified them that I did not want this credit card. I continued to receive information about the credit card. I called again to tell them I did not want the credit card. I was told that the store account would be closed and I would not have the ability to charge merchandise purchased at their store. I told them I was fine with that. They advised me to contact Capitol One which I did. I made it clear that I did not want the credit card. Two weeks ago I received a card with instruction on how to activate it. It is clear that no one is listening to me. It also seems unlawful to have a credit card issued in my name without my consent. I want this account officially closed and I need all three credit bureaus informed that this account does not exist.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court that Transunion credit report has on file. Well the Court " XXXX County Register of Deeds '' has finally responded to my letter and its 100 % clear they did not Verify anything with Transunion. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section Where I ( Circled ) the Address and Docket number, also attached is the notarized letter I wrote to the XXXX County Register of Deeds and also attached is the response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies. Which means these accounts were never VERIFIED.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have both checking accounts and a credit card with USAA. My USAA credit card was declined on or about XXXX XXXX due to a fraud alert placed by USAA. I called to have the fraud alert removed. The following day I again attempted to make purchases on my credit card and it was declined for a fraud alert. USAA had failed to remove the fraud alert even though I had wasted my time on the phone with them to remove the alert. The payment processor, XXXX after multiple failed attempts defaulted to my checking account.I would like to reiterate this as it seems to have been lost on everyone at USAA, the direct causation of XXXX attempting to withdraw from my checking account is due to the failed credit card transactions due to a fraud alert they placed and failed to remove when called. 
I have filed multiple complaints with USAA and spoken to them numerous times and they have not refunded the NSF fees. This is horrible customer service and fraudulent as the fees were caused by their actions.
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We went in to look at the cost of a vehicle and filled out paper work to see if we were able to get a loan from one company. At the first denial we decided not to continue with the dealership but the dealership kept sending out loan request even after we no longer stated we were no longer interested and no longer wanted to deal with the dealership. 
The inquiries were all done on XXXX XXXX 2013, the original and approved inquiry was on XXXX XXXX, 2013.
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC (CA)

Requesting help regarding my XXXX XXXX loan. Since the very beginning I been making my payments on time But lately due a serious hardship and XXXX in the family I requested their help and see if they can do something about the interest fees, rates and other charges and even forbearance programs to help out with the monthly payments of {$260.00} XXXX XXXX will like me to default so they can add all the fees and charges and make my debt go from {$6000.00} to {$10000.00}. I called BXXXX XXXX looking for help me another forbearance plan or deferment programs available but no help so far! instead I got transferred from department to department where nobody is willing to listen. The lack of professionalism is big and only inspire distrust to customers. This loan highly negatively impacted my lifestyle and got me in debt now i owed more than i borrow. 

Id like to exercise my rights as a consumer and not be consume by predatory interest rates and other fees.
Consumer complaint received 2017-12-15
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. (CT)

On XXXX/XXXX/XXXX I called XXXX to remove inquires that I did not authorize. I spoke with a US Rep that was handling my request, and was disconnected. I called back, and got another US Rep, and explained to him what happened, and how the previous rep was deleting ui theorized inquires, and could he continue. He told me that he couldnt do it. I then explained that the other rep was in the process Of deleting these unauthorized inquires. However he didnt care. He did not help me with what the other U.S Rep was more willing to do. These inquires are XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX twice. None of these places had my authorization to pull my credit.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, IS U.S Code 168lb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum 1 am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I began shopping for a new automobile in XXXX 2016. I have signed only two applications and it was upon the assurance from the Finance Manager at a XXXX and XXXX dealership that he could get financing for sure. I told them I already had my own financing and that I had a fraud alert in effect due to Identity Theft. I was assured it would be a soft inquiry. Of course I was turned down. I have only been in a dealership building twice but counting all XXXX Credit Bureau 's Hard Inquiry shows almost XXXX total inquiries. 
I understand there is a tern " Shotgunning '' where Automobile Dealerships pass your inquiry or tracking software to see that you have visited their web site and then the next day a salesman calls. 
Of course everyone wants to get the best price and I see nothing wrong with viewing their inventory online. I did not know they had the ability to see who visited their website until I got an angry email from a salesman at a XXXX dealership in XXXX AL who sent me a nasty email about visiting their website over 25 times and to make up my mind. 
I had a friend that formerly worked as a XXXX said all XXXX have sources that they can get Social Security numbers on anyone without consent of the consumer. 
I believe that laws should be passed to require a signature in person or notarized to sign for their Social Security number to be given. That is one of the provisions in the Patriot Act but Automobile Dealers and Mortgage companies. 
Therefore I ask demand that the Hard Inquiry placed on Credit File with XXXX and XXXX be removed within ( 15 ) days or Legal Action will begin. 
There is a section in the FCRA laws that you have reason to sue in ANY COMPETENT COURT OF JURISDICTION for improper Hard Inquiry from any Credit Report Agency. 
I am asking that you voluntarily see that your inquiry or inquiries be removed from the Credit Bureaus, or by acceptance of this Certified Mail, I authorize that I have the right to sue in the XXXX Court. Our Social Security Numbers will be provided on a separate document although you already have it. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2016-04-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (MD)

I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Date : XXXX Financial center name : XXXX XXXX Name : XXXX XXXX Employers telephone : XXXX Declination notice was sent to my home address. I received a notice from Bank of America that stated the following : Thank you for your interest in opening a deposit account with us. At this time we are unable to open an account for you. ( See attached for additional details and proof of notice ). 

I, XXXX XXXX XXXX formally named XXXX XXXX XXXX never tried to opened an account at Bank of America in XXXX, AZ. 

I am reporting this as a scam and possible identity theft.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Midwest Service Bureau, Inc. (KS)

We have a bill from XXXX in XX/XX/XXXX from a anesthesiologist. It should of been sent to the insurance company and didnt know we had a bill until roughly a month or so ago when the collections agency ( Midwest Service Bureau ). The XXXX person that called me at work was XXXX XXXX by far the most unprofessional rude person I have ever talked to. She was raising her voice telling me she knew we had money and that we could pay the payment of {$75.00} a month. I told her I could n't do that right now just not possible. I can for sure give you {$25.00} maybe more each month but {$25.00} for sure. She said that was not acceptable and would n't accept my {$25.00}. Comes to find out she had called my wife just before that and ran her completely down to the point of her almost crying at her job. The stuff she said to my wife should of never been said. Talked to a XXXX lady who I believe was the manager XXXX XXXX. She was nice the first time and told me what XXXX offered wasnt correct and that it had to be XXXX payments but would do the {$75.00} since it was offered. Told her Id get back with her and see if they would settle for XXXX. Got a call back and said they wouldnt told her Id see what I could do. Got a call back a week later told her I had nothing but could give {$25.00} She insisted that wont work and its {$75.00} or full amount or they will take it to the next step. She this time was rude just like the last person. I have never been talked to like that and wouldnt wish it on anyone. My wife should of never been talked down to and ran into the ground like she was. I was kind of rude when the lady got rude on the phone the last time but what to you expect when you treat someone like XXXX.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Me and my wife worked to pay down our conventional 30 mortgage with Bank of America to get below an 80 % LTV so that we could cancel PMI. Once we reached below 80 %, I contacted Bank of America to inquire about PMI cancellation. The representative informed me that our loan to value ratio did indeed qualify for cancellation of PMI. He told me that he submitted the request and to allow up to 4 weeks to get a letter indicating approval and conformation of cancellation of PMI. I asked if there was any reason that the request would not get approved. He said it will get approved as long as long as there where no late payments in the last 24 months ( there where no late payments for the entire loan period ). A couple weeks later, I get a letter from Bank of America stating that my request for cancellation of PMI was denied because the current LTV ratio of my loan has not met the established requirements to summit a request to cancel PMI. They also attached a form with with instructions to use there appraiser to pay for a new appraisal if the current value came back at less than 75 % LTV. Looking around at other complaints on Bank of America, It appears to me that this is standard practice for them when it comes to people canceling PMI.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bull City Financial Solutions, Inc (DC)

not only have the debt collectors be argumentative they are providing false info using my personal info. Bull city has been notified by US mail and verbally that this debt is being disputed yet they refuse to provide me with a signed contractual agreement between XXXX XXXX and XXXX XXXX XXXX and they continue to report this alleged debt to the credit bureaus. 

RE : CUSTOMER ACCOUNT- XXXX FOR XXXX XXXX XXXX XXXX REQUEST FOR VALIDATION OF DEBT Dear Fiduciary, Your claim was received alleging that I owe a debt to an original creditor named XXXX XXXX XXXX, now in collections with your organization under # XXXX. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or BULL CITY. 
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. Please correct the records with XXXX, XXXX and XXXX to reflect that the principle is in dispute, as to SSN ending in XXXX, for XXXX XXXX XXXX XXXX. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Sincerely : XXXX XXXX XXXX XXXX, Authorized Rep
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (AZ)

Dear XXXX, My case number is XXXX. 

I am dissatisfied with American Express Response. 

American Express has completely ignored my complaint that I have made a phone call in XXXX 2015 and closed ALL my American Express accounts With XXXX balance ( call was recorded ). 

I explained to the representative on the phone that I am living XXXX now and all my business relationship with the addition person on the card, XXXX XXXX, who lives in California, has ceased. The american express representative assured me on the phone that all the accounts were closed with a balance of XXXX Dollars ( PHONE CALLS WERE RECORDED THROUGH AMERICAN EXPRESS ) American Express took NO steps in regards to my actual complaint. The company did not address my concern at all. Instead they sent me the charges made on the card ( charges I have not made ). They ignored the fact that my accounts were closed by me with zero balance in XXXX 2015. Those charges were made in XXXX 2015, long after I closed all my accounts. 

Please kindly investigate this matter as my phone conversations to close the accounts were recorded by American Express. 

Please involve federal trade commissioner or any entity that can help justice be served and protect consumers from such negligence. 

Thank you and looking forward to hearing from you. 

Kindest regards,