davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (PA)

My account was reported 30 days late to the credit bureaus. The issue was that I never received the account statement. Previously my account payments were never late, I have maintained excellent payment and credit history. When I called to check my credit card, I found out that there was an outstanding balance, I went online to make the payment right away. This included the late fees imposed in the amounts of {$30.00} and {$15.00}, totaling {$45.00}. I paid the entire amount and called in to speak with customer service. They told me I don't owe anything, the account is paid in full but they can't help me correct the negative item on my credit reports with XXXX and other bureaus. I spent almost an hour, called three times and was told the same thing. I gave up and finally filed a dispute with XXXX about that negative item on my credit report. That has dropped 99 points from my credit score, which is hurting my credit history. This is not fair especially considering that I don't owe anything to the credit card company and had maintained an excellent record with them and other companies. They must inform the credit bureaus to delete the negative item right away.
Consumer complaint received 2019-09-10
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. (MO)

XXXX XXXX XXXX	XXXX XXXX XXXXXXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Equifax credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to XXXX for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from XXXX.On XX/XX/XXXX I sent a 2nd letter to XXXX to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Equifax received my letter, copies of my letters to Equifax, and copy of their response to my requestsThank you for your assistance.XXXX XXXX
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company. 

XX/XX/XXXX Discover credit card company locates payment internally.

XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing  payment has been located and notifying customer payment was initially sent to an invalid account. 

XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit  card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I received an alert from Equifax indicating there was a hard inquiry into my account. When I looked on my report I noticed 2 hard inquiries made on XX/XX/2020 and XX/XX/2020. One from from a bank for a personal loan and the other was a credit card application from a jeweler. Neither of which belonged to me. 

Out of fear of someone trying to steal my identity I called them to freeze my account. I spoke to numerous agents whom clearly did not speak XXXX well and when I asked to speak to a manager because they refuse to freeze my account, they hung up on me because they did not want to have me speak to their manager. They informed me I would have to make the request via snail mail and include my social security number and a copy of my drivers license. I told them this was absurd because if the document was intercepted in the mail - all my personal information was at risk. I spent hours on the phone trying to get someone - anyone to help me yet to no avail. 

Incidentally, I had no problem freezing my credit report through XXXX  and XXXX. So, with Equifax refusing to freeze my account, someone is out there applying for credit in my name and only a matter of time before an account is opened. Equifax clearly has no problem running my credit for a hard inquiry with clearly minimal information, yet after I passed all the security measures on the phone continued to tell me I had to send in my documents to freeze my account. 

They continue to put consumers at risk. Please help me to get them to freeze my credit so I can preserve my identity from further misuse. 

Thank you.
Consumer complaint received 2019-03-08
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)

In XX/XX/XXXX and XX/XX/2019, I sent certified letters to XXXX, XXXX, and Experian disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

AARGON COLLECTION AGENCY ACCONT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (TX)

I found out on XX/XX/2020 about information sent to collections through credit monitoring services. Upon calling the collections agency appearing on my credit report, I was told it was for XXXX XXXX in the amount of {$100.00} I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from XXXX XXXX, their billing company ( XXXX XXXX XXXX ) or National Recovery Agency ( collections agency ) prior to placing on my credit report. I got XXXX number from the collection agency and been trying to get to the bottom of this. Both the billing company and collections agency had my city wrong when I called them and they asked me to verify. I have been met with unprofessionalism when talking with employees at National Recovery Agency and XXXX XXXX XXXX. I was told by XXXX XXXX XXXX on XX/XX/2020 that my dispute was received. I also notified the collections agency that I was going to dispute. I'm attaching the dispute letter. Multiple calls made last week to XXXX XXXX XXXX were going to voicemail - no one answered phone throughout the day. I left a message and the rep ( XXXX  ) that called me back had a phone number showing up as SPAM LIKELY. I answered the call because I recognized it as the number I had been calling. XXXX told me my dispute was sent to XXXX XXXX for review and they will make decision. She refused to give me info about XXXX XXXX as I wanted to contact them directly and told me to XXXX it. I don't know how to reach them, but left a message on XX/XX/2020 for the City of XXXX Community Rep to see if she can help and have not received a call back thus far. Please investigate XXXX XXXX, XXXX XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

l. Loan originated predatory based on the ethnicity. XXXX XXXX targeted for variable interest rate loans. 
2. Loan is over 30 years old with no delinquency on payment history yet the balance of the loan has not reduced as payments were made. 
3. Loan was sold to various servicing companies and several times it was requested to have the loan converted into a fixed rate mortgage. However due to appraisal value based on a predominately XXXX neighborhood was told the home did not have enough equity, We didn't want any equity back just a fixed rate. 
4. Now retired with less income and still never showed any delinquency in the payment history, Never was provided any options to adequately convert loan into a fixed rate to pay down the unpaid balance. We asked about the possibility of a short sale for the home. We considered just signing the deed back over to them and walk away but our credit would be affected. 
5. Original VA loan was serviced by XXXX XXXX. Other companies servicing the loan was XXXX XXXX, XXXX XXXX, Nationstar and now Mr. Cooper. We are not sure of the order of the companies, Last week after doing just a little investigation, we found out about a foreclosure that was found a then reversed but it was still in the court records. At no time were we ever delinquent on this loan. 
6. We need a breakout of how monies were applied toward outstanding balance and escrow balance. The lender 's name is Mr , Cooper Loan # XXXX XXXX The property address is XXXX XXXX XXXX XXXX NC XXXX Parcel # XXXX XXXX XXXX Please leave a message. XXXX cell XXXX
Consumer complaint received 2019-03-08
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. (OH)

I HAVE PAID XXXX XXXX IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, XXXX, XXXX, AND EQUIFAX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (WA)

In XX/XX/2018 I tried to open a " Savings Goal '' ( high yield savings ) account at Simple Bank ( www.simple.com ) and got denied after failing to confirm I am a US Citizen. 

As a lawful permanent US resident ( green card holder ) I enjoy almost exactly the same rights are US citizens, besides being able to vote and to apply for a government job. Denying a lawful permanent US resident a savings account on the basis of his/her origin is unlawful.

I have contacted Simple several times, through their support system and social channels, but they keep refusing to serve people with a green card.
Consumer complaint received 2019-03-08
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: Global Payments Check Services, Inc. (TX)

My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Consumer complaint received 2019-03-08
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 (GA)

I filed a CFPB complaint against American Express on XX/XX/XXXX, got response from the company today as of XX/XX/XXXX. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the XXXX website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, XXXX should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. Therefore, I submitted a new complaint immediately onXX/XX/XXXX. I received the same response from the company on XX/XX/XXXX claiming that I was provided with the eligibility information for the welcome offer prior to the final application processing, which was completely false. This was a deceptive marketing event and through my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NJ)

I disputed this account months back in the amount of {$160.00}. I had two collection accounts with this agency to which they could not prove it was mine. They deleted one off and as I'm checking my credit this one is still up. They only sent me copies of statements but no signature, signed original contract, they didn't send me a signed copy of the buying of the debt and license to collect in my state. Now they are reporting to the agencies as 100 % verified but they know a copy of a statement is not proof.
Consumer complaint received 2020-01-30
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, EXQUIFAX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Several years ago around XXXX roughly, I had opened a checking account with Bank of America. The offer was for an account that required no minimum balances. To clarify, if the account held a positive balance I was not to be charged any fees. In XXXX, after a few years of not using the account and having a balance around {$500.00} I went to a bank branch in XXXX, where I had opened the account, to make a withdrawal. My ATM card was no longer active so I went to the teller with driver 's license and had a second form of ID with me. Upon asking the teller for a withdrawal, they accessed my account and told me because I had not used the account in some time I would need to speak to a personal banker there in order to withdraw funds - and, no one was available at that time so I would need to wait and/or return. 

At that time, I was still not being charged any fees so rather than to deal with the hassle, I decided to maintain the account as some small savings. In XXXX, I went into a branch on behalf of a company I was working for who had accounts at Bank of America. While there, I asked to speak to a banker about my personal accounts and they informed me that my balances were now below {$0.00}. Apparently they had been charging me a monthly fee for a few years now. I requested that the account be made whole to the amount it contained prior to them changing the rules for the account and for me to withdraw the entirety of funds and close the account. After speaking to the manager at this branch in California, she told me they could refund the last 2-3 months ( I don't recall the exact amount ) of withdrawals and I declined finding this to be unsatisfactory. What I'd like, is for the entire balance to be restored to what it was prior to them charging fees and to be able to withdraw those funds without incurring any fees. 
I see below a request for documents and if necessary, I can go to a branch and get statements to show what's occurred