davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NV)

I have four medical colloctions for XXXX Aargon Agency. Three bills was for XX/XX/XXXX and XX/XX/XXXX. I was on food stamps and was not working due to mental anf XXXX  XXXX pending decision by Social Security ; which finally got approval in XX/XX/XXXX. I also received another bill for a emergency room visit in XX/XX/XXXX. I was under XXXX at that time so it should have been paid. These are on my credit report and have a huge negative inpact on my score.
Consumer complaint received 2018-08-19
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. (LA)

Issue : I have 2 bankruptcies listed on my Experian report Action : I have repeatedly and regularly written letters to ask them to provide verification of these two items and provide me with documentation showing the validity of these items.

Result : Since contacting them once a month for the last 6 months, they have only responded by saying the information has been verified by the company that provided it.

I wrote to the United States Bankruptcy Court in Illinois and Florida inquiring about what they reported about me to the bureaus. They responded on letterhead stating " The bankruptcy court does NOT perform any activities with the credit bureaus. You must contact the individual credit bureaus for their procedure for removing your bankruptcy filing from their report. '' This MEANS that the information on my credit report was NOT reported by the courts. It was reported by a 3rd party. This information provided by a 3rd party has never been verified as mine and since it is a violation of the Fair Credit Reporting Act to report false information, I am asking that these two items be deleted permanently from my report. EXPERIAN is the ONLY credit bureau reporting this information.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX data breach., have been a victim of identity theft due to the XXXX data breach. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false XXXX XXXX  bankruptcy.Experian has reported several fraudulent addresses where I have never lived, including : These addresses are in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer information.Under 15 U.S.C. 1681c, Experian is required to ensure that only accurate information is reported. I have requested that these names be removed, but Experian has failed to comply.
Consumer complaint received 2018-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

Equifax violation FCRA 611 ( a ) ( 5 ) ( B ) The legal restriction against the reinsertion or previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ) the law state that I must be notify within 5 business days of reinsertion of deleted information into my consumer file. there were no CRA notification provide before reinsertion as to the law. the same item reported twice on my consumer file two different date same item by XXXX I ask that the information be remove from my consumer file.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo engaged in yet another wrongful foreclosure procedure. Their attorneys XXXX XXXX XXXX led by XXXX XXXX have engaged in a plethora of frauds against my homestead and the court. We have continuously claimed the home was paid off and Wells Fargo has yet to produce any of the requested information. Wells Fargo filed for foreclosure in XXXX and did not complete the foreclose process until XXXX. The company and its attorneys engaged in dishonest unethical legal strategies to foreclose on my homestead. Wells Fargo intentionally failed to contact for years and never provided copies of any pleading. They intentionally failed to serve me regarding court hearings and summarily got a default judgement against my homestead without me knowing a hearing had occurred. I am now being forced to file bankruptcy to save my home. We are currently filing car complaints against all the attorneys involved as they engaged in fraudulent behavior by filing false certificates of service for example. All allegations can be substantiated simply by examine the case history. I believe the bank wrongfully foreclosed on my home as they have a history of this behavior. I am now a victim and seek justice to rectify this matter. Please review the Bill of Review filed and it clearly summarizes many of the wrongdoings by Wells Fargo and attorney XXXX XXXX located in XXXX XXXX XXXXXXXX I experienced the same things Wells Fargo was just sued for by the government. The property is located at XXXX XXXX XXXX  in XXXX XXXX TX.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (MA)

Credit Bureau Associates-Northeast IncXXXX for amount of {$4300.00} and account number is XXXX. I have sent Credit Bureau Associates-Northeast Inc. a debt validation again and they have not responded and still have account listed on my credit report with XXXX, XXXX and XXXX. The account does not belong to me.
Consumer complaint received 2018-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX there was a deposit made in person to the amount of {$4600.00} to Bank of America ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ). IMAGE # 1 : Copy of the list of checks and total. IMAGE # 2 : deposit slip of the amount deposited. When I checked my account online, there was an adjustment of {$1400.00} from the total amount deposited on XX/XX/XXXX and I was only credited {$3200.00} for my deposit with an error message.Due to this adjustment, I am missing {$1400.00} from my checking bank account. IMAGE # 3 : error message and the deposit adjustment.

Since this issue occurred, I have talked to three different Bank of America Financial Advisers/Managers, and later contacted the Bank of America Research Department to try to find the missing checks. The Bank of America Research Department stated they can not do a proper investigation because they do not have any images of the checks deposited on XX/XX/XXXX. My last contact was on XX/XX/XXXX with XXXX XXXX, Financial Center Operations Manager. I was only told my checks were missing and later found. As a result, they can not find images of the checks deposited because the checks were not scanned in properly. She stated that the checked should have been scanned into their system before they are reviewed for deposit. Mrs. XXXX was not able to come to a resolution and declined to take any responsibility for mishandling my checks.

I have my Business Checking account with Bank of America since XX/XX/XXXX when I opened my practice and I never had an issue regarding missing funds. I have always paid my Bank of America Credit Card balances in full and on time and have an overall pleasant experience with Bank of America. This is the first issue I have regarding missing funds. I am requesting the missing amount of {$1400.00} be deposited back into my account.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (WA)

Hi, On XX/XX/XXXX I received a letter in the mail from " Freedom Mortgage Corporation '' letting me know they will be collecting all mortgage payments after XX/XX/XXXX. The letter is dated XX/XX/XXXX. There is a problem with the chronology of these dates and request. Furthermore it appears the Freedom Mortgage Corporation is not allowing me to pay them via automatic bank payments which I use for all my bills. 

As a result I will now have to communicate with the old mortgage company XXXX XXXX, XXXX to cancel/request a return of a payment that was already sent to them after XX/XX/XXXX. And then I must call Freedom Mortgage Corporation to find out why they are not allowing my bank checks to be used for their payment. This is unacceptable to mortgage holders inheriting Freedom Mortgage Corporation. 

Thank you in advance for your attention and advise.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This account was XXXX XXXX XXXXXX/XX/XXXX, Since then the PAYMENT HISTORY has been updated with XXXX  each month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information manipulates the statue of limitations and in addition to that. Your update of payment history cost me more than a XXXX point decrease in my credit score in XX/XX/XXXX. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. And I would also demand my XXXX points back that you cost me due to your willful negligence. I have attached screenshots of your lack of investigation XXXX XXXX XXXX
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Until recently, I was unaware I could file a complaint for the reason described below until I was told by my financial advisor, hence my delay in doing so.

On XX/XX/XXXX, I received a denial for credit from XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX, XXXX, DE XXXX ) for an XXXX Visa Signature credit card ( reference # XXXX ). 
The reason cited was : " Not enough accounts opened long enough to establish a credit history. '' At the time, I had the following credit card accounts opened : 1. ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX - Opened since XX/XX/XXXX 2. ) XXXX XXXX MasterCard - Opened since XX/XX/XXXX Further credit account entries on my credit report were 1. ) XXXX XXXX account - Opened since XX/XX/XXXX XXXX. ) XXXX XXXX loan account - Opened XX/XX/XXXX All these accounts had been opened several years at the time of application. 
I was given additional ways to expand my credit history, such as car loans, mortgage housing, etc., all of which I already possessed at the time of application so this decision was really not at a negotiable point. 

Of Note : 1. ) The credit limit for the XXXX / XXXX XXXX XXXX was increased twice on the credit report received by Chase Banks at the direction of my credit card company who did so based on my timely payment history. 
2. ) The credit limit on my XXXX  was increased again after this credit denial, again at the behest of my credit card company. I have a history of never making late payments on anything, as shown by my credit report. 
3. ) Given that the other companies named above issued credit to me as well as my excellent credit history, Chase 's faulty denial of my application was arbitrary and based on unrealistically high criteria of expecting even further credit accounts for consideration. 
With my credit status as it is, It is doubtful that many people could actually obtain this Chase card, that is if Chase underwriters are actually using consistent criteria. 
4. ) As this account offering was made on XXXX and was instantaneous, it is highly suspect that I could have been rejected that quickly. However, XXXX offers " gift cards '' should the applicant be denied within the same transaction. 
The offer also states the applicant would receive {$50.00} off their first purchase if credit is approved. This is consistent with a bait and switch scheme so this might also be reportable to an additional government agency ( i.e. Federal Trade Commission ). A credit card offer is still on XXXX 's website. 

Please feel free to contact me should you have additional questions.
Consumer complaint received 2018-08-19
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: CITIBANK, N.A. (NY)

I had a trial subscription to a newsletter from XXXX XXXX. He runs a site his view of investments and the stock market. The invitation clearly showed that if I was unhappy and closed the account before the end of 30 days, my {$99.00} would be refunded. I cancelled the account before 30 days were over, but they company said that they no longer offered refunds. I filed a dispute with Citibank, which owned the card that I used to for payment .I received an email from Citi this week. The email said that they needed more information and referred me to their website. There was no information at the website. I called up Citi and  they told me that the information would not be available until Monday, even though the email did not say anything about this. THe agent told me that I could send the info by email They needed the letter of cancellation and the invite that showed they offered a refund. Unfortunately, the agent gave me an email address that does not work. I am tired of spending all time needed to get Citi to respond to this dispute. I just called Citi again and their computers are down now. Their service has deteriorated dramatically.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

After I applied for a XXXX Citibank card in late XXXX I received a letter ( attached ) requesting to provide a copy of the US Passport, US Voter Registration Card or US  Green Card. I don't have any of them as I am in the US on working visa ( was a student before ). The bank representative said that they can not continue with my application. 

In my opinion this is a discrimination based on XXXX XXXX as it was the sole reason they can not give me the card. The bank representative assured me that they don't discriminate and any person can obtain the credit card if they provide copies of requested documents ( yes, that makes total sense to them, go figure ). Well, how about the people who are here on XXXX, XXXX and other visas?

As far as I read about the rules regarding credit card application process, a creditor may take into account applicant 's XXXX XXXX but can not make a decision based solely on that. 

I have successfully obtained multiple credit cards in the past ( XXXX, XXXX, XXXX ), the last one as recently as XXXX of this year. I have good credit history and excellent credit score. I never had to provide any proves of my XXXX, let alone being denied based on that. 

Please, help me to reach the bank for comments. I am upset that such discrimination is allowed in today 's world. 

Thank you!
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

An account has repeatedly been updated as a Charge offs/Closed every month 15 usc 1692g , 15 usc 1681c-2 , to my understanding charge offs accounts should Not include an active payment history, falsely manipulates the statute of limitations.

I Requested 1099c from American Express, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I making a payment on the charge offs, they took a tax relieve from the federal government, it looks like fraud is committed
Consumer complaint received 2018-08-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Mobiloans, LLC (CA)

XX/XX/XXXX - Account Created The last week of the preceeding month was the month the company was contacted. 

The account history since creation has been somewhat consistent with payday loans but three existing mentions are using both payday and closed-end loan, and credit code type references. The payment dates were brought into standing. 

The original agreement was monthly repayment which was switched to bi-monthly after the agreement and verifications were complete. 

The company after a call about the payment change and the schedule, would not communicate about the difference and continued throughout. 

For the months of XXXX of this year, XXXX, the company has extended the preceeding month 's second payment to the following month at a fixed rate of approximately {$95.00}, with no more than {$12.00} fee for late payment which was originally to be included in a monthly payment minus the lateness. However the balance never reflected the dollar value balance supposed accurate. Payments of {$130.00} twice monthly minus a {$95.00} dollar admin, and fixed loan fee, {$3.00} per {$20.00} advance fee, and {$12.00} late fee is a few to many fees per code reference, with no mention for the coexisting references to credit, and the codes for loan ( closed end or open end ) does not seem accurate for an {$800.00} line of credit, nor loan or advance in the state of XXXX XXXX  or XXXX though the company sevices both. 

The schedule for credit is 30 days, and loan 28 days, whereas the advance has two options bimonthly and monthly. 

The repayment lapsed two months during an emergency leave of XXXX XXXX the state the account was created, and into XXXX. With one year of repayment and borrowing, their calculations still seem inconsistent with fixed rates and fees with no explanation and the balance not reflecting payment nor fees I read in the communications with the company. 

They were helpful in time I needed cash fast, but the understanding is different, and those three types of crediting laws are ambiguously not differentiated in the company word usage. 

I think an other reason, such as additional unnecessary information was gathered, for the inconsistency was present.
Consumer complaint received 2018-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Comerica (NY)

I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

My problem is that I tried to get my Annual Credit Report just now on XXXX at XXXX XXXX  and I went to print it and it Disappeared, and now it says I can't have for 12 more months. 
Please HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Cell XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

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 2024-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.