davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
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. (OR)

I am, once again, contacting the Consumer Finance Protection Bureau to resolve a complaint of in-accurate mortgage information on the Experian Credit Bureau report. This is my 7th separate contact, with Experian, in this regard. My last CFPB communication was in regard to complaint number XXXX with a response from Experian that states the information, in regard to including my mortgage payments, can not be included because their credit grantors have not provided this information. In all my communication I have included a copy of our most recent XXXX XXXX mortgage statement for their review. Experian is suggesting they can not include this accurate information unless it comes from their source of information. I welcome the opportunity to forward this same information to their sources. Please find enclosed copies from my on-line Experian credit report for My Debt Summary showing real estate debt XXXX, and my Accounts Summary XXXX as well. This is in-accurate information provided on my Experian report, and I believe I am entitled to have accurate information provided for anybody to examine. It is worthy of note, this mortgage information is on my XXXX, and XXXX XXXX credit report, but not on the Experian. I am, also, including our most recent XXXX XXXX  statement to support my claim we do have a mortgage, and have had the mortgage since XX/XX/2006. I would sincerely appreciate any assistance to persuade Experian to show accurate information in regard to our credit report.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

Around end of XX/XX/XXXX, we made a reservation for kitchen gas stove top repair service for XX/XX/XXXX Saturday appointment. The merchant guarantee that there would be no fees collected if repairman can not make the appointment. On Saturday, repairman couldn't make it, so  reschedule for the following Monday, then canceled and reschedule for the follow Wednesday. The repairman finally came to our house for checking our gas stove, and he said he needed to order several parts from the manufacture ( XXXX  ) and promised to provide us with quote. He provided us a quote for almost $ 1K, and we decided not to get the repair service instead we ordered a totally new gas stovetop from a local store and installed it.

During our credit card reconciliation, we noticed that that repair man charged {$100.00} for the first visit, which should've been free according to their guarantee. So I tried to contact the merchant several times without success, so I opened a credit card dispute with Chase Credit card. The customer service called me and I explained what happened, and they tried to contact the merchant while I was on the phone to resolve, but merchant was not responsive. So I kept explaining what happened with the merchant, but the customer service needed to get more details. Few days later, Chase Credit card dispute team left a voice message so I called them back several times, and left voice message for further detail information like date of the first visit of the repairman, etc. After that I never got their response back. So I was waiting for the resolution, and yesterday XX/XX/XXXX, I received a letter from the Chase that they found no evidence of billing error and closed the case in favor of the merchant claiming that they sent a letter for further information, but I have not received the letter. I fully explained what happened with the merchant, but they didn't seem to understand what's going on. I voiced my frustration of their dispute process, but they kept saying the definition of " service '' I received. Merchant clearly guarantee that the first visit would be free if their repairman can not make the appointment.
Consumer complaint received 2018-04-20
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: WELLS FARGO & COMPANY (CA)

I have contacted Wells Fargo about a identity theft fraud of my information and seen somone opened up an account in my name and charged XXXX on a credit card. I had the account closed and a day later they re opened the account, changed the account number and sent a new credit card out with the previous balance still to pay. I called again and asked why they reopened the account because I have never associated myself with them and never will and they were confused on why it was re opened as well. Im frustrated trying to deal with this identity theft issue but if this continues I will sue them. I told them also the address on file was not mine. The XXXX XXXX XXXX XXXX on my credit report is the person who stole my identities address. Also XXXX XXXX opened a fraudulent account as well and told me the account would also be closed but has not been closed and its been a month. They opened an account and the account does not even have my name spelled correctly.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OK)

I always pay early, I'm never late. I sent my payment of XXXX to Pacific union financial by check, on XX/XX/XXXX. And a check for XXXX to go towards ecrow  because I was told u was short. I received a letter saying my escrow was XXXX negative, so my new payment would be XXXX unless i could pay the XXXX. So I cancelled the check for XXXX and sent another check for XXXX to make the rest of the XXXX payment XXXX. I specifically wrote on each check, ''   housepayment for XXXX  " and on the XXXX check, I wrote " the rest of housepayment for XXXX " I wasn't contacted until XX/XX/XXXX a Saturday, 1 day before the grace period is up, and told u owe XXXX. They say that i paid XXXX towards the housepayment and XXXX was still short.I explained myself and was told they put it in suspension. So I called my bank.the bank only stopped payment on the XXXX check ( check # XXXX ) and that both other checks have cleared, and been deposited into XXXX XXXX Pacific union financials account. A different person called me and said my account was not allowing them to cash the check, and that I need to call my bank. I told her I have, and she got hateful.her name is XXXX. I was called this morning ( XX/XX/18 ) and spoke with XXXX .she says the e-mail XXXX sent to her superiors was rejected and that I owe XXXX. My credit score is a XXXX.I 've worked very hard on it. I'm affraid they're going to claim a late payment and put it on my credit.please help me with this!! I'm currently refinancing with XXXX XXXX because of all the problems with Pacific union.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MA)

XX/XX/XXXX, XXXX XXXX, XXXX for amount of {$760.00}. I have sent XXXX XXXX, XXXX a debt validation certified on or about XX/XX/XXXX. XXXX XXXX received my debt validation on or about XX/XX/XXXX. XXXX XXXX did not respond. XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is trying to re-collect and still has not validated my debt validation which was sent to them and also XXXX XXXX XXXX reported to all 3 of my credit reports.
Consumer complaint received 2018-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MN)

In the last 2 weeks I attempted to send money to XXXX to a friend of my mothers because my mother is in hospital. The information was missing the middle name. I called to add it and have been told the system had errors and offered a refund. I ended up sending it to my mother in her name. We had an ambulance service take her to a payout location. The information is correct because in the past I have sent her money. Today she was taken to retrieve it and the payout location told her the information was correct, that her middle name was showing as her last name. I sent the confirmation ( MTC ) to her to show the name is correct. In calling western union, they could not offer a reason and would not help further resolving the issue and again offered to cancel the transaction and refund. This will be the 3rd time they would have had to cancel the refund. Now my mother is unable to pick up the money without scheduling another ambulance ride to western union pickup location. I repeat, the information matches her ID exactly and they would not get her the money ... In the last few months, western union has given my conflicting information that does not match from one representative to another.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

i went online and call all three major credit bureaus ( XXXX XXXX and Transunion ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I put in a dispute for a charge to my account which happened onXX/XX/XXXX for {$180.00}. The merchant sent the item and it was not as described. I contacted my bank once sent the item back to the merchant via USPS on XX/XX/XXXX. Chase bank in return processed the claim and put a temporary credit in my account of the {$180.00}. I just received a letter from the bank stating they will be removing the credit from my account because the tracking info shows the item is still in transit sinceXX/XX/XXXX. This is not my fault, I have no merchandise and neither do I have the money for this purchase. I would like the credit to remain in my account until we can clear up this matter.
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

XXXX XXXX XXXX, I believe on behalf of XXXX Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX Mortgage currently holds the mortgage on my house, the mortgage was XXXX in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (TX)

I moved in to XXXX XXXX XXXX XXXX XXXX located in XXXX tx XXXX on XX/XX/XXXX my lease was from then until XX/XX/XXXX.. I sent my 60 day notice via email which is required in the lease although it isnt stated how it should be received just a written notice. I vacated and left the apartment spotless which I have pictures to prove.. I have the manager XXXX my forwarding address to which I got a letter 3 months later in XX/XX/XXXX stating I owed over XXXX in debt because I didnt give a notice and they charged me a reletting fee and also some other minor charges.. I have tried several times to resolve the matter by sending proof of harassment previously experienced by XXXX and also pictures and proof of my 60 day notice with a response of my rental ledger but all to no avail.
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (FL)

We purchased our vehicle XX/XX/XXXX. We called to find out who our finance company was multiple times but the dealership stated the company would send us a payment coupon book and to wait until they did. When we finally got notified of who to pay which was world omni finance they told us we owed two months in payments when we had only owned the vehicle for 1 month. We made our payments work to not be 30 days late but always had to pay at the last minute and carry a balance due to this accounting error. In XX/XX/XXXX we were affected by hurricane Irma. We asked for assistance during our time of need as we could not return to our home and did not have power pr basic necessities. They refused stating they would not provide assistance because our account was less than 6 months old even though a major catastrophe had just occurred. We tried our best to keep up payments which put us almost 3 months behind in XX/XX/XXXX. In XX/XX/XXXX we sacrificed XXXX  for our family to get caught up on payments for the vehicle. They have not been good to deal with or understanding. Being late with no assistance caused a major hit to our credit which put us back financially again.
Consumer complaint received 2018-06-06
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. (TN)

I have requested the original contract from Equifax, XXXX, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, Equifax XXXX and XXXX are all miss informing creditors of my information, and in violation of federal law.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX is inaccurately reporting an alledged debt in the amount of XXXX on my credit report ( s ) which is false. 
The alledged creditor under the name ( XXXX ) is also false. XXXX XXXX continues to report this inaccurate, injurious information on my credit report ( s ) and are jeopardizing my credit rating and overall financial status. I sent this company a validation notice in accord with the Fair Debt Collection Practices Act ( FDCPA ) section 809.

This company has failed to provide proper validation which is a serious violation under FDCPA Section 809 in response to my validation request.

I disputed this information with the credit bureau and CCS verified in response to the disputes I submitted. This is a continued collection activity violation and a violation under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ) as well. 


I would like to take the opportunity to submit another validation request in the body of this very complaint shown below : " I DISPUTE YOUR CLAIMS IN THEIR ENTIRETY REGARDING THE ALLEDGED ACCOUNT # XXXX ''. 

I want full proper validation or this erroneous account or remove it immediately from my credit report ( s ).
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MO)

On XX/XX/2016 I was contacted by a company called XXXX XXXX the contacted me more than a year ago now. I paid them {$2700.00} with my Discover Card to receive products through their distributor but once I paid I never got any products not even the brochures I was promised. What they showed me as a sample of the e-catalogue of products it was nothing even close to what I was selling, I was furious when I contacted my rep and demanded a refund. I told them what I wanted even gave them a sample and to this date my site still is not right. 
The reason for this complaint is they did not provide the products/ services I paid for and they took advantage of my ag. I was defrauded and deceived into paying this money, I ask you to please help me get my money back.
Consumer complaint received 2018-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Previous complaint filed - collection agency wording was VERY confusing - no proofreading done at all. Collector stated they can sue - statue of limitations has surpassed the 4yrs for the state of Tx. Also, agency reported they can report for 7yrs from date of charge off - thats incorrect XXXX is 7 yrs from last payment or either first day of delinquency. Ive done plenty research on XXXX in Texas.
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

My husband & I purchased a vehicle through Prestige Financial. We were told that our interest rate would decrease as we paid the payment on time. Never once did we see a decrease. Once my health declined the note would be paid, but sometimes late. Prestige would call everyone listed on our account as a reference & tell them that our car is being repossessed! An absolute lie! They have contacted my landlord whom is NOT & NEVER has been listed as a reference! These people harasses & threaten customers to no end! This is uncouth & subject customers to become the object of ridicule! I have attached a few similar complaints from different customers. This company is referred to people going through hard times. These people only make life situations worse. They belittle customers & talk down upon them. Every customer service representative including the manger, has been extremely rude. This needs to be investigated & put to a stop!
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I NOTICED THAT NATIONAL CREDIT SYSTEM PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL NATIONAL CREDIT SYSTEMS. THE NATIONAL CREDIT SYSTEMS SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE XXXX  XXXX STAYED THE LEASE WAS SIGNED..
Consumer complaint received 2018-04-20
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. (MD)

I have written 3 letters to Equifax to correct mistakes on my credit report. Despite my 3 requests the unverified items still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA a credit reporting agency is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX my credit monitoring services alerted me my Transunion score dropped 20 points. Upon inspection of my Transunion credit report # XXXX I notice that in the remark section of my mortgage with XXXX XXXX XXXX Transunion added this statement " Foreclosure procedure initiated ''. 
This is factually untrue- I immediately disputed this information to them. I am current and haven't missed a payment in close to 2 years on my mortgage with no past due of any amount. Never was I foreclosured on nor in the process of foreclosure. 
I haven't received any notification that my dispute was received or that the investigation has started. I just want this issue resolved as quickly as possible.
Consumer complaint received 2018-06-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MD)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and. I have always made my payments on time. For some reason I realized that there was a lat with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.