davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you
Consumer complaint received 2018-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans-Union Credit bureau discloses in my credit as the following ( Debt included in bankruptcy ) I have already sent them a letter from the XXXX XXXX XXXX  to Trans-Union stating that the debt was voluntarily paid in full and not included in the bankruptcy ( which is not allowed in CA ) I am attaching a letter again from the XXXX XXXX XXXX, this time dated XX/XX/2018 stating that the debt was paid in full and if they want to investigate for for any questions, they can contact the Dept 's Default Resolution group to confirm the information.
Consumer complaint received 2018-05-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

I need to reduce the credit limit on my HELOC due to divorce. 

I have had three phone calls with Chase. Each time I call, I get different information about the process to reduce or freeze the account. The last time I called, I was told it would take 15 days to get a form to me, and 15 days after that to freeze the account.

I feel that the bank is be obstructionist about freezing the account. I am two months into the process of freezing this account. 

I have never missed a payment on this HELOC. The balance is approx 94,000. The limit is currently XXXX. I want to reduce the credit line to XXXX. 

The bank is now asking for my future ex wife 's signature to take any action. I can not get her to sign. So now I am finacially exposed due to Chase bank 's inaction.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc (GA)

I have sent JJ Marshall Associate letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Between the days of XX/XX/XXXX to XX/XX/XXXX over 5000 dollars was taken out of my account ( Wells Fargo ). Filed A claim which they told me would take ten business days, XX/XX/XXXX claimed denied. Went to branch to have claim reopened didnt hear from anyone till XX/XX/XXXX, they still denied my claim because my cards were in my possession. I asked numerous times if they checked the atm cameras they said no they didnt. Thats a major issue for me because I work two jobs and hard for money. So I would appreciate if they would do a thorough investigation including checking the cameras of who actually did it. I already left a voicemail and email for help me XXXX so it can go on the news because its ridiculous how they just shove everything under the rug. Mind you, they opened up new accounts for me, what is that supposed to do for me ... .oh and I filed a police report and still nothing. I even told them that I can show proof that I was working both job while all of this was going on. They still didnt want to hear it. I seriously want to close my account with Wells Fargo, its always some XXXX with this bank ... .I even had two direct deposits come in that I couldnt even touch because it was already gone
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

Hello, I don't want to continue American express card. Still they are charging me annual charges which I need to pay. With out my permission they are charging that amount. 
Date-XX/XX/XXXX talked to XXXX call center guy. {$190.00} has been charged to me .I have already paid my other outstanding charges except my membership fee. When I am not consuming their product how they can charge me for that.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This account with XXXX was paid in XX/XX/XXXX. Since then it has been sold to several collection agencies that have called and threatened to file a civil complaint on me even though this account is paid and I have a letter from the original creditor showing paid. XXXX has tried to contact them to stop as well. They continue to call from blocked numbers and have cause my credit score to drop 30 points
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

I have never lived in these apartments they are collecting on. I called the apartments directly and drove down there to get a copy of the lease and i.d of the person who signed the lease and she said I had to talk to the collection company. I have called them maybe 12 times over the last 3 years and they are no help. I tried telling them that it was identity theft and that I never lived there, the man told me to pay or stop calling and the lady hing up on me. I asked for validation/proof 5 times, they have yet to send any letters or emails. I called one last time before sending this in and got no answer. I looked up the company and all the reviews are like this.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I opened a XXXX America Express card on XX/XX/XXXXwith a bonus offer to receive XXXX  XXXX points after spending {$3000.00} in the first three months. I reached my required spend on XX/XX/XXXX.

As of XX/XX/XXXX I have not received my bonus points. I have called American Express 5 times, on XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ), XX/XX/XXXX ( spoke to XXXX ). Each person verified that I had met the required spend to earn the bonus and that it was being looked into, forwarded to marketing, escalated as a high priority ticket but have not been credited my points.

Complaint number : XXXX  Member # XXXX
Consumer complaint received 2018-04-23
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. (WI)

I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past bankruptcy case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. XXXX and Experian said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date Bankruptcy  file number Bankruptcy plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin Bankruptcy court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the bankruptcy court does not report to the credit bureaus nor is it mandatory to have a bankruptcy listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-03
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, my FICO score went down from XXXX to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX, the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXX XXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Consumer complaint received 2016-06-10
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a chapter XXXX in and was discharged in XXXX. I did not re- affirm my mortgage. I can apply for a FHA loan but not a conventional loan. after the crash of the market i filed a BK XXXX this should have been a " fresh start ''. I am being haunted by B of A who took almost 8 years to foreclose the property because the banking institution did not want to flood the market with foreclosures. They decide to finally foreclose in XXXX and my clock has started over and now the foreclosure has been freshly added to my credit reporting agencies. During the 8 years i reached out to, HUD, Countrywide and B 0f A, only to be denied options to avoid this and force them to act. instead, now i can not recover for 14 years from my chapter XXXX and start over. please guide me. i am exhausted of fighting this on my own. i am a victim of big banks serving themselves. ( Please be advised that my noted address is not the address in question. the property address in concern is XXXX, California. XXXX )
Consumer complaint received 2018-04-23
Product: Mortgage — FHA mortgage
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: PNC Bank N.A. (PA)

PNC Mortgage told me that since I was paying off my debt in full XX/XX/XXXX that we had an agreement. I checked my credit report and they have reported me as late which has caused my credit score to plummet AND CAUSE ME TO LOOSE ON BUYING A NEW HOME. I am going to be homeless now because PNC refused to remove the negative remarks off of my credit report by the time I was due to get a new mortgage.
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was told by this particular seller that they only used XXXX as a payment. And since it could be used through my bank, I thought it was save. I had no idea that the bank would tell me that since I authorized the payment that it wasnt initially fraud. I dont feel protected at all. I downloaded XXXX, and sent the money and was told by the seller that I would get all the information I needed to get the XXXX home. Shortly after, I was blocked. My bank told me there was nothing they could do. Even with knowing that XXXX is a new scam. Theres nothing the app that tells you to only send to family and friends. I was under the impression that XXXX was created as a save money transaction between sellers and buyers. No customer service number from XXXX, or anything. Out off XXXX bucks.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK (NC)

My house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc was foreclosed in XX/XX/XXXX the second mortgage is/was held buy First Tennessee bank. they have been showing that i am " late '' on my credit report for two and a half YEARS!! I recently pulled my credit report to find this info..I assumed it was foreclosed back when the main mortgage closed. I called First Tennessee and was directed to the foreclose department and was told by XXXX on XX/XX/XXXX that they are reporting it properly and in so many words, told me that i ether set up a payment plan or they will do nothing!!! I lost this house in a divorce and the ex wife put it into foreclose and I could not stop it because she would not sign some paper work at the time ( XX/XX/XXXX ) I am simply asking for some help/guidance to get them to close the loan and move forward in the process so my credit does not show a " late '' payment this is what I sent to them from the form that XXXX stated I could fill out : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The house on XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX. you have been showing this loan as being late on my credit report.. I need please review the loan and move forward to close this out.. I think that nearly three years as " late '' is very unprofessional..I spoke with XXXX in the foreclosure departmentXX/XX/XXXX and you now have all of my contact info. I am filing a report with the Consumer Financial Protection Bureau. I expect this to be resolved promptly. Thank You XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The loan # XXXX  First Tennessee Bank XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Foreclose Department XXXX XXXX XXXX  My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2018-04-23
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. (PA)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax is stating fraud activity going on. This is not true and it is hurting me from building my credit with secured cards.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc. (UT)

The company is : Express Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I never received letters from the company to validate the debt or to allow me to dispute the debt. I only found out about the debt being in collections by checking my credit report in XX/XX/XXXX. After that, in XX/XX/XXXX, I did contact them to try and work with them and they would not work with me. Months later they filed a judgment, again, I was not properly notified of the court dates so it was awarded to them by default. I received a call in XX/XX/XXXX from them telling me that they had won by default and proceeded to tell me all of the things they were going to do to recover the money for the hospital bill ; such as seizing my assets, credit damage, and wage garnishment. They inexplicably withdrew the judgment and then renewed the collection accounts. Yet again, I found this out by looking at my credit not from them or the courts. 

From the beginning, this company founded on punishing people for wanting to stay alive, has been despicable on every level. They were uncooperative, condescending, and just disgustingly proud of their loop-hole navigation. They exist only to contribute to or be the cause of human suffering. They represent the worst qualities of corporations, Americans, and human beings in general. These are fundamental truths, not opinions. 

Regardless of these impassioned statements, this company did not properly notify me as required by law. I would include these documents in my complaint, however, they do not exist.
Consumer complaint received 2018-04-23
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. (LA)

Despite 3 written request, the unverified items listed below still remain on my credit report In the results of their first investigation and subsequent reinvestigation, they stated in writing that these items were " verified '' and " reported correctly '' They are required under the FCRA to have a copy of the original creditors documentation on file to verify this information is mine and correct. They refuse to give me any documentation to show my signature on any contract as it is required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I have contacted the bureau on multiple occasions with receipt certifications that they have received my letter and concern. Now, I demand the following accounts be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( I RECENTLY RECEIVED A LETTER ASKING FOR ME TO VERIFY MY PREVIOUS ADDRESS AND SOCIAL SECURITY NUMBER FROM THIS COMPANY )
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of america is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to Bank of America. They are also reporting my account is OPEN on XXXX  credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The item showing on my report was sold to the credit bureaus by a third company and not verified from the court. The court does not report to the credit bureaus and the information on my credit reports are inaccurate.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (GA)

Received alerts on my credit reports that this was added. I called the company, gave them my name, address, SS, DOB, etc.. They couldn't find anything with regards to me in their system. Not sure how or why this showed on my credit if they didn't have any information on me at all. 

XXXX XXXX XXXX  . 
Medical Bill Original Balance : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX