davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (MS)

XXXX XXXX XXXX  This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of XXXX XXXX in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.
Consumer complaint received 2020-04-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (WA)

One year after getting my credit card which has a yearly foo, it started having a XXXX XXXX monthly maintenance fee. I called and asked to waive the monthly fee and was to keep me from closing my account they would waive the fee. That was XX/XX/2018, I have now called them 6-7 times and every time an told they have no notes that I have called prior and that the fee cant be waived, as soon as I threaten to close my account they offer to waive it again. I have now paid {$270.00} Im monthly maintenance fees and it has yet to be taken off. This is the Verve card through Continental Bank
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
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. (NJ)

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have/had a Bank of America credit card. I was making monthly payments ( auto payment ) on time and had not missed a payment since starting with the company in XXXX. Approximately six months ago the percentage rate change and I was unaware of the change. I was finally made aware, by letter, that I was delinquent. I immediately payed the late charges. Bank of America closed the account. On XX/XX/XXXX, I attempted to pay the full amount of the balance using a routing number. The amount was roughly {$11000.00}. I was sent a confirmation number for the payment that same day via email. The payment was due on XX/XX/XXXX. On XXXX XXXX, XXXX, my wife informed me that she had not seen the moneys withdrawn from the account. I contacted Bank of America by phone to determine what had happened. I was told that the routing number had an extra 0 in it, so the payment was not processed. I asked why I was not sent notification by email. I was told that they only send notifications by mail. I then paid the balance of the account minus a {$38.00} dollar late fee, because I believed that the late fee was a predator practice by the bank. The customer service rep was not able to remove the late fee at the time, since it was so new. I called back a few days later to dipute the late fee and was told that, because of my history ( late  payment from the interest perecetage change ) they could not remove the late fee. Wanting to close the account, I paid the {$38.00} late fee that had now turned into a {$170.00} fee. I paid the {$170.00} confirming that this was a pay off amount and the account would be at XXXX balance. I received the letter that the XX/XX/XXXX payment did not go through on XX/XX/XXXX. On XX/XX/XXXX, I found out that I had a {$1.00} balance. On XX/XX/XXXX, I contacted Bank of America by phone and paid the {$1.00} balance. I asked the customer service rep to confirm that this amount was the full pay off amount. I informed that customer service rep that she was being recorded. She did confirm that this amount was the pay off amount. The account is closed.
Consumer complaint received 2019-03-13
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: WELLS FARGO & COMPANY (GA)

New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. Wells Fargo in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20 year ) relationship with Wells Fargo and would like to amicably resolve this issue.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Several references I found and again today, I keep reading and find online, on the internet, this information which I am using as fact and reference and hoping was true AND that each reference to it IS from a very reputable source for information including published in XXXX magazine and as per my previous same complaint made on the matter. So now, I am reading it again and today - " Bank of America '' is offering a " DEFERMENT '' option on loans/mortgages, where nothing states you needed to special in that having a " certain type of mortgage '' with them, when it is relief offered specific to a national crisis and the DEFERMENT option ( of 90 days at least ) which is NOT a forbearance, that of which they offer BUT that stipulates any back unpaid amounts to be added up in total after 90 days to ALL be paid back after the forbearance term and that to be paid immediately at the end of " forbearance '' period, it is not what I can do AND that I called twice to have no deferment being offered to me. I have now seen this information about deferments with Bank of America written and published to the public and not about a specific mortgage product BUT would and should apply to ALL mortgages they service. I am disgusted that I have read this information in many online venues, and it has been now in more than one article about such assistance by form of DEFERMENT and relief to homeowners needed during the COVID crisis. I am yet to be given the " deferment '' option, all I am being told I can get and given is a forbearance - No, I CAN NOT afford to pay any built up balances in full after 90s days and I am not being forced by BOA then to later on after I will have to apply for " loss mitigation '' measures ( this is as per their own advice and words to me ) and apply to " loan modification '' which is a " loss mitigation '' option but it's being forced upon customers when most banks ARE giving a defer payment option for 90 days. This is not fair to people who cant pay their mortgages now and in 90 days from now sure can't pay 90 days added up and all at once in 90 days PLUS the moth ahead. None of this makes sense by the banks own offering and by their own hand. Where is my option for a deferment for 90 days?
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XXXX XX/XX/2018 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.
Consumer complaint received 2020-04-22
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX FI XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX N/A XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

XXXX mobile phone provider is keep hiring collection agency to claim {$1100.00} for service i did not agreed. I was with XXXX for less than a month with out contract. I was on month to month service, and they gave me free phones for 5 lines family plan. After i learned that they were trying to charge me unfairly, i canceled the service and moved back to my previous provider. Later they hired collection agency which i disputed and was deleted out of credit history. Then they hired another collection agency which i kept disputing it. At this time XXXX  refused to allow me to dispute it, by simply taking the collection agency side. The contract they using has altered signature.
Consumer complaint received 2020-04-22
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: Experian Information Solutions Inc. (TX)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). 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 2019-01-08
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. (TX)

I have a inquiry from XXXX XXXX that was not authorized from me. I have cell service with XXXX  and always had. I have contacted XXXX and they stated they would remove it. It has been over 2 months since I spoke with them and the inquiry still remains. I also contacted the Equifax and no help there. Please advise on what can be done to get this inquiry removed.
Consumer complaint received 2020-04-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and TransUnion both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how XXXX  and TRANSUNION are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President XXXX. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, XXXX and TRANSUNION are interpreting and reporting on my credit status.
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more
Consumer complaint received 2020-04-17
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. (FL)

EXPERIAN REPORT XXXX for XX/XX/19 Contains the following fake information used by XXXX XXXX to obtain credit against my SSN as contained in my EXTENDED Fraud Alerts and IRS ID THEFT Affidavit. I've written Experian many times only to discover that they have not removed the information at all from my Credit File. The information contained in the file belongs TO ME since they're reporting FAKE NEWS on me which seriously affects my future employer, creditors, potential clients, and credit applications. I am unemployed seeking employment and the misleading information must be removed as they are incorrect and not accurate.