davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
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: AMERICAN EXPRESS COMPANY (NC)

In late XX/XX/XXXX I attended a one day seminar sponsored by XXXX XXXX XXXX based in XXXX, MA. The purpose was to introduce how to sell on XXXX and XXXX. There was a heavy sales pitch toward the end to purchase training DVD for {$990.00}. Then, another pitch to attend a 3 day seminar at a local hotel conference center. In XXXX, XXXX I attended the 3 day seminar held by XXXX XXXX based in XXXX, MA. The purpose of the seminar was to show and introduce how to sell on XXXX and XXXX and make a lot of money in more detail. On the 3rd day, a heavy sales pitch on purchasing what was called the XXXX XXXX which included lifetime support, telephone support, product forward/screening prior to shipping to XXXX XXXX and purchasing products to sale all for {$34000.00}. I.e., a pre-paid service. {$12000.00} of this amount was charged to my American Express Business Open account. The XXXX XXXX gave us a Top 500 list of wholesalers and suppliers. I noticed that the so-called 'Top 500 '' wholesalers list the Bowsers gave us were for the most part a dead end list because their " wholesale '' prices from these wholesalers were just too high to be profitable on XXXX . I spent untold hours crunching numbers and using all the tools they showed us and spreadsheets to the point that I was beginning to get suspicious. While these wholesalers were legitimate, they just did not have good prices according to the XXXX Sellers revenue calculator. So there went the Bowsers lie about looking for products is easy takes little time. Later this spring in XXXX, I learned that on XX/XX/XXXX, XXXX and XXXX XXXX XXXX of Washington State, filed a consumer protection lawsuit against XXXX XXXX XXXX of XXXX MA. In XXXX, XXXX, the Federal Trade Commission sued XXXX XXXX XXXX XXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX https : //www.ftc.govXXXX On XX/XX/XXXX, I contacted American Express and explain this and they refused to assist me. Another major credit card has refunded my money that I use to charge part of the other remaining {$34000.00}. 
Because of the lawsuit, I have lost all my promised prepaid services and support from XXXX XXXX XXXX.
Consumer complaint received 2018-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Synergetic Communication Inc (GA)

My husband bought a vehicle back on XX/XX/2011. He is now in a XXXX home and I am getting calls by Synergetic Communication Inc. They consistently call, and they are advising I need to pay. I have asked them on numerous occasions to please stop calling and they have not done so. I am not responsible for this debt. I am a senior citizen and is on a fixed income.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

I have a vehicle leased through XXXX XXXX XXXX. They had a major problem with their billing system this past winter. I received paper statements as well as online GM website information to monitor my account. Both sources showed my account was up to date. After they fixed their system, I received a new paper statement showing a new amount owed. I immediately payed that amount. I should not be punished for their failure to maintain their billing system. I did everything that could be reasonably expected given the faulty information that I was provided by GM Financial.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

My house and everything i owned was lost due to hurricane Sandy. 
I am in the process of rebuilding my home and i have had to rent a place while my home gets rebuilt. 
I qualified and recieved a Certification of Eligibility Sandy-Impacted Forbearance Certification and presented this along with documented evidance that my home was being rebuilt and was denied by Seterus my mortgage provider. I am ccurrently renting another place while i rebuild and would like to have this forebearance honored by my mortgage provide Seterus which will help enable me to complete the rebuilding of my home while renting a place to live. 
any advise or assistance would be greatly appreciated. 
Please advise. 
XXXX XXXX cell - XXXX XXXX XXXX. 
Thanks in advance. 
Regards, XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TX)

I started receiving phone calls from my relatives onXX/XX/19 in regards to a debt owed. I had no recollection of the debt it was in regards to. PCR (Pioneer Credit Recovery) has contacted over 10 family and friends in regards to a debt I’m unaware of. Today, XX/XX/19 I received a call at XXXX at my job in regards to student loan debt that I have disputed the amount and received no additional information after the dispute. The guy that called my relatives and employer is XXXX XXXX. The number he called from was (XXXX) XXXX. I advised him to cease and desist calling my job and relatives and friends, as well as myself. I advised him to please email or mail me all correspondence in regards to this matter. The associate stated they’d continue to call my job and me because they work for the government and they have that right. Also, he advised me that my wages would be garnished. I couldn’t continue with the conversation due to being at work.
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (DE)

Two of 3 credit bureau report that I owe {$1600.00} to XXXX for phones in which I have attached as proof with a store receipt from XXXX. Collection agency XXXX XXXX keep harassing me. 

Note : I have communicated with the 3 Credit Bureau asking to remove from my record. XXXX XXXX responded that the charges are correct and therefore will not be removed.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Called EXPERIAN to freeze my credit. They would do so for 30 days for free and then use my credit card charge me XXXX a month. 

I was successful credit freeze with XXXX and XXXX. 


I made the call XX/XX/2018 at XXXX XXXX.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Hello I've recently in XX/XX/XXXX attempted to dispute incorrect information on reporting on my credit report number XXXX directly with Experian. To no success this information is still being reported and representing me unfairly. I attempted to have the empty fields from my XXXX account number XXXX furnished and to display the following : Incorrect and Missing form my credit report XXXX Account XXXX : Balance? 
Balance Updated? 
Recent Payment Amount? 
Monthly Payment? 
Original Balance? 
Highest Balance? 

Also, it list the Terms as " 1 Months '' which is incorrect. It list the Date Opened as XX/XX/XXXX but first reported as XX/XX/XXXX five years later which is incorrect. 

From the viewpoint of someone pulling my credit and looking at the XXXX account with all the missing field leaves a lot of unanswered questions about this account. I believe that this is unfair and leaves me at a disadvantage. I believe if Experian is going to report details about me that they should tell the whole story and not just a part of it.
Consumer complaint received 2018-06-25
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. (MO)

This account was removed from my credit report twice in the past 8 months XX/XX/XXXX was the first time and again the beginning of XX/XX/XXXX and has been placed back on without notifying me 5 days prior to the reinsertion action. My lawyer from XXXX XXXX had previously sent out letters on my behalf after I noticed this account reporting incorrectly and it was removed due to non-validation of the account after sending 609, 611 and follow up letters, this is not a playing matter and has seriously caused derogatory marks from adding and reinserting repeatedly on my credit report and causing my score to drop drastically. The credit bureaus need to delete the item due to inadequate validation, they were given more than enough time to validate ownership of the account with a payment history to the company using my bank account information, anything less than a signed contract with payment to said company is not sufficient validation. It was added again XX/XX/XXXX for {$540.00} XXXX XXXX did not verify that the account belongs to me and all three credit bureaus did not do their due diligence to protect me the consumer.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Removal of Incorrect Information per FCRA and XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my TransUnion credit report. According to my credit report, the entity " XXXX  '' appears instead of " XXXX. '' This is not only misleading but a clear misrepresentation of the creditor information provided. This error directly violates my rights under the Fair Credit Reporting Act ( FCRA ) and United States Code ( USC ), which guarantee accurate reporting on consumer credit files.

Per the FCRA ( 15 U.S.C. 1681 ), TransUnion is required to report accurate information on consumers ' credit reports. By listing XXXX XXXX  '' in place of " XXXX  '' TransUnion is not meeting this legal requirement, as this misidentification could lead to confusion and potential harm to my credit profile. This incorrect data misleads lenders and misrepresents my relationship with the original creditor. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a thorough reinvestigation of this account entry and promptly correct this error by removing the entry to reflect " XXXX  '' accurately. This action must be taken within the 30-day period mandated by federal law. 

In addition, I am entitled to a clear and correct copy of the reinvestigation results and a free credit report if my dispute results in any change to my file ( per FCRA Section 612 ). I expect TransUnion to comply fully with these regulations to prevent further inaccuracies in my report and mitigate any potential credit harm that may arise from this erroneous listing.

Please consider this letter a formal demand under the applicable provisions of the FCRA and USC. Failure to act within the allowed timeframe will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any necessary legal action to ensure compliance with federal law. 

Thank you for your prompt attention to this matter. I expect confirmation of receipt of this dispute within 5 business days and immediate correction of this error within the legally required 30-day period. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I periodically receive communications from XXXX XXXX company about money owed to XXXX XXXX. This debt was discharged in a bankruptcy. This agency has no phone to call and continues to send letters saying I owe them money.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (IL)

I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove an unauthorized inquiry from my credit report. Despite my repeated requests, Equifax has not provided verifiable proof of authorization for an inquiry by XXXX XXXX, dated XX/XX/XXXX. This inquiry lacks a permissible purpose under the FCRA, and Equifax 's refusal to remove it is a violation of federal law.I REPORTED THIS CASE TO THE FTC THROUGH REPORT NUMBER XXXX, DATE XX/XX/XXXX 1. Initial Request to Equifax : I requested proof of authorization, such as a signed document, to verify this inquiry. Since no proof of my authorization exists, I requested immediate removal. 
2. Complaint to the CFPB ( Report # XXXX ) : Due to Equifaxs lack of response, I filed a complaint with the CFPB on XX/XX/XXXX. 
3. Equifaxs Response to the CFPB : On XX/XX/XXXX, Equifax responded, stating that inquiries are factual records that must remain on file for two years. However, they failed to provide specific proof of authorization for this inquiry. 
Violations of the FCRA by Equifax : Under the FCRA, unauthorized and unverifiable inquiries must be removed. Specifically : Section 604 ( 15 U.S. Code 1681b ) : Requires a permissible purpose for accessing a consumers report. Equifaxs inability to provide proof of authorization violates this requirement. 
Section 611 ( 15 U.S. Code 1681i ) : Mandates the removal of unverifiable information upon dispute, which Equifax has failed to comply with by not validating the inquiry. 
Section 609 ( 15 U.S. Code 1681g ( a ) ( 1 ) ) : Requires that a consumer be provided with verifiable proof of authorization upon request, which Equifax has not provided. 
Given Equifax 's lack of compliance, I demand either verifiable proof ( a signed contract ) authorizing this inquiry or its immediate deletion. Failure to resolve this matter within 30 days will result in escalation to appropriate legal channels to ensure accuracy in my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/XXXX I Went to XXXX XXXX for XXXX and a XXXX. I was billed {$3000.00} thru XXXX XXXX. I went through XXXX XXXX to pay for my teeth. XX/XX/XXXX I picked up my teeth. My first payment with XXXX XXXX was XX/XX/XXXX. They Charged me {$3000.00} included in that charge was a {$30.00} charge, don't know what that charge was for, then they charged me on my very first statement {$8.00} Interest. I knew right then I did not want to do business with them. I wrote them a check XX/XX/XXXX for {$2700.00} that paid my portion in full. XXXX XXXX owed me 10 % for a Senior Discount that I had to ask for. I ask XXXX XXXX if they paid XXXX XXXX the {$300.00} for the discount. I found out they had credited my account at XXXX. I told them I didn't owe them anything that it should go to XXXX XXXX. They sent XXXX XXXX a check on XX/XX/XXXX {$300.00}. That should have paid the account in full. I continue to be billed from XXXX XXXX, Finance charges, Late fees, and Interest charges. Each month they add more Finance charges, Late fees and Interest charges. XX/XX/XXXX they show me owing {$330.00}.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, there was a transaction that appeared on my bank checking account and immediately I contacted the bank to file a dispute about this fraudulent charge that I did not authorized for the amount of {$1900.00}. At first disputed that I file with the bank, they were not willing to reimburse the amount above. Then I asked them to reopened the dispute which they did and I waiting for the reponed of the first dispute to be completed. This was a fraudulent charge on my account and I would like to receive this refund as soon as possible. 
Due to that I filed an FTC report with reference number : XXXX.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Our payment sent to SPS Inc. was not credited to my spouse 's account as requested on payment statement. The payment was processed as two payments. Not a single payment for principle and interest. This allowed SPS to charge us interest twice for the XX/XX/XXXX payment. We contacted SPS to correct this error to apply our payment as requested. The account representative talked with us and said the funds would be credited as requested. would be done within 5 to 7 days and we would not be able to see this correction in the online access. SPS Inc. representative did not say this would be reflected on a corrected XX/XX/XXXX statement or would they take the XX/XX/XXXX payment funds as payment for XX/XX/XXXX and XX/XX/XXXX as XX/XX/XXXX statement shows. The statements have blocks for assignment of funds, we wanted all funds above the regular payment applied to principal.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I closed a safe deposit box with Wells Fargo in XX/XX/XXXX. When I closed my checking account with Wells Fargo they took a safe deposit box fee from my account ( {$30.00} ) when I no longer had the box and no fees were due. I have tri d calling and filling complaints withe their corporate office but no one has responded to my complaint. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Total phone time with their representatives is about 3 hours and I still get no resolution or phone call back.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (UT)

XXXX XXXX XXXX added a collection to my credit file, for a debt I do not know belongs to me. They have failed to send me a 30 day right to dispute letter. I did not know this debt/collection existed until I checked my credit report. They are in violation of the 30 day right to dispute.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

As part of the settlement, BOA agrees to pay {$12000.00} moving costs. I have asked repeatedly to have this money forwarded to us. Once again in their response they have mentioned that they offered to pay the {$12000.00}. I am asking that you intercede an collect the {$12000.00} as part of their offer to sell the property. The property will be moved before the end of the month and the funds are needed to complete this.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I was a victim of card theft. I report my card stolen and Bank of America advised me they would close my account as a result of the incident. Which I did not have a issue with. It is XX/XX/XXXX, I am XXXX XXXX XXXX   and trying to open a bank account so I can get things in order for my family. I got rejected due to being flagged by a system called " XXXX XXXX ''. Bank of America failed to advise me I owed a balance of {$2.00} before they closed my account and placed me on the " risk '' list. Really?? I'm a risk because of a XXXX $ overdraft. When I spoke to the rep she said they do not have to advise me of how much I owe because its my responsibility to know. When the blocked my access online so I was unable to check my account balances and no on told me this when I closed the account.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Debt Recovery Solutions, LLC (NJ)

XXXX and Debt Recovery Solutions , LLC refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, one for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, Debt Recovery Solutions , LLC, which last reported this old debt on XX/XX/2018. This is illegal.