davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (PA)

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX XXXX   XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXr , XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received a letter from Bank of America dated XX/XX/XXXX on XX/XX/XXXX. Case Number XXXX. Letter stated, to further assist you to resolve this matter, please call us at the number listed below and provide us your case number XXXX. Called Bank of America on XX/XX/XXXX at XXXX XXXX  and talked to XXXX. She kept asking me to hold and after holding for 5 minutes I hung up. Called again on XX/XX/XXXX at XXXX XXXX  and talked to XXXX in CA. Told her I don't receive text messages and did not know where my credit card was and did not know what she was talking about when she asked me for a line ID. Asked to talk to a supervisor. At XXXX XXXX XXXX told me a supervisor would call me back in 5 minutes and she promised me the supervisor would call me back by XXXX XXXX. Did not receive a call back from the supervisor. 
On XX/XX/XXXX at XXXX XXXX called XXXX in Texas. Again had a problem with text and did not have the 4 digit on the back of my card. Again I asked to talk to a supervisor. After being on hold for 15 minutes I was return back to the phone queue and talked to XXXX in Arkansas. Asked her if she was a supervisor and she answered NO. WHY did XXXX in Texas put me back in the phone queue and not transfer me to a supervisor. XXXX in Arkansas asked me some questions and got me verified. She looked at my case and asked how she could help me. I informed her I was following the directions in the letter and called Bank of America at XXXX. She had no clue what to tell me and she was wondering why Bank of America charged me {$.00}. I informed her they did not charge me {$.00} and that they removed {$.00} from my account. She than informed me that she could not access the information and she wanted to transfer me to another department. I informed her I had spent the last hour on the phone with Bank of America and was not spending any more of my time getting the run around. WHY DID YOU WANT ME TO CALL YOU?? WHAT DO YOU WANT??????
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I applied with an agent from American Express for a Gold card that promised XXXX rewards points if {$2000.00} is spent within 3 months of card activation. Now that I have card, I called American Express and was told since I had a gold card in the past, I was Not able to get the rewards incentive ever again. This WAS NOT told to me by the agent as I applied. It was originally offered through XXXX during checkout, and XXXX also backed off on their promise of a free year of Premier membership. I received the card in mid XX/XX/2016. AMEX promised to look into it, but it has been many weeks. If they do decide to honor their offer, I have only a few weeks to spend the {$800.00} needed to qualify for the " potential '' rewards. I am not using that card because I have better rewards using my XXXX cards : ) Can you contact AMEX on my behalf?
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

I Have a medical collection on my credit file for a debt that hasn't even been settled in court yet because i was in an accident that was not my fault. My Attorney stated that i should file a compliant against this company for reporting a negative mark on my credit file on a case that is still open.
Consumer complaint received 2018-01-31
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. (WI)

XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud
Consumer complaint received 2018-01-31
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. (NC)

I'm a business owner. We often borrow money and we are always asked to sign personal guarantees. The loans never report to the credit reporting agencies since they're commercial loans. We currently have one reporting with Experian for a commercial loan or in this case a merchant cash advance with XXXX XXXX. Experian has refused to remove it from reporting as a loan on my personal credit report. I sent them the loan agreements for the loan, the incorporation and dissolution filings with the secretary of state. Those documents showed the loan was made out to a corporation that was also dissolved. Experian denied my request after requesting the documents be sent to them for review. They actually stated to me that XXXX XXXX  was their customer and they had an agreement with them.
Consumer complaint received 2018-01-31
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: Aargon Agency, Inc. (CA)

XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge
Consumer complaint received 2018-01-31
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

My account was closed on XX/XX/XXXX I want to know EXACTLY why it was closed. And if possible Re-Open the account! And payout the bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

XXXX XXXX had a PNC Bank Account since XX/XX/XXXX.

InXX/XX/XXXX XXXX  and I started to see a lot of fraudulent activity on his account.

We tried calling the bank and to no avail was an investigation done, the account was not put on freeze nor was the account closed.

We did dispute the unauthorized transactions but a lot of the transactions were denied or reversed and XXXX  was paying double to triple times for those unauthorized transactions.

In XX/XX/XXXX the bank made a {$400.00} error and never corrected it and stated that they had videos from a convenience store ATM and they had no court order to get those videos.

Plus in XX/XX/XXXX his account was finally closed and now the bank states we owe them {$80.00} and the bank is still putting money into and reversing transactions from his definite closed account!
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (TX)

Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

Thank you.
Consumer complaint received 2018-01-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (NC)

We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.
Consumer complaint received 2018-02-02
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. (VA)

I have 2 accounts on my credit report That is incorrect and fruad ... XXXX XXXX XXXX  which I have paid off and that account fruad and need it deleted from profile have provided documentation ... XXXX  XXXX is fruad .. I have police report and have resolved complaint with company and its still reporting .. provided documentation ... I have inquiries that I did not consent to and will like them deleted from my report, I have disputed these accounts before and there coming back verified .. I need copys of validation with my signature or copy of verified documents With my signature or proving these accounts or inquiries are mine in writing or they need to be removed due to fruad
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (LA)

On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
Consumer complaint received 2018-02-02
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. (GA)

I have been for months now trying to get information that is on my experian report removed about a bankruptcy that is reporting. I checked my credit and saw a bankruptcy and requested it be removed due to Experian saying they received the information from XXXX XXXX. I am attaching my XXXX XXXX report and showing no bankruptcy on it. Its against the law to falsely report information and i would like it removed immediately. I am also attaching copies of my report from XXXX  who have deleted the bankruptcy. 

This is stopping me from obtaining credit and a job. please investigate.
Consumer complaint received 2018-01-31
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: Premier Portfolio Group (IA)

Previously had filed a complaint through the CFPB ( case # XXXX XXXX. Premier Portfolio Group had finally after the deadline came back with this response : We dispute the claims presented in this complaint as our company does not practice beyond the guidelines of the FDCPA. Our company will close this account, and cease and desist all further communication with the consumer. 

Today XX/XX/18 received another voicemail from them threatening legal action. This is ridiculous. What is it going to take to get this company to stop what is obviously a scam. I believe I have enough now to take this case to the attorney general either in the state they are located or my own state 's attorney general. These people need to be stopped!
Consumer complaint received 2018-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IN)

When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OH)

My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!
Consumer complaint received 2018-01-31
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: EQUIFAX, INC. (GA)

There are over 60 HARD inquiries that were made over the past year without my consent or knowledge. I contacted Equifax to ask why there were so many inquiries on my credit file many of which are from the same company multiple times in a single month or a couple of months. It is quite obvious that there is fraudulent activity happening with my credit file but Equifax refused to take any action after I asked to have all of those Inquiries removed and place a FREEZE on my credit file. Neither of which has happened as recent as last week, XX/XX/2017, I received a letter in the mail from XXXX  XXXX XXXX stating that I was denied for some sort of XXXX  credit card that I never applied for. I believe that I must have been one of the millions of victims affected by the Equifax Data Breach and my information has been compromised, which is why I asked to have the unauthorized inquiries removed and the freeze placed on my account. I did not say fraud alert, I requested a credit freeze!
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have installed a landline in my home and a variety of debt collectors continue to call the number. I have blocked many of them, however they continue to change phone numbers to continue calling. I have attempted to talk to an operator to tell them the person who owns them must have changed phone numbers however the line disconnects each and every time i attempt this.
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt. 
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Is selling my self directed account to XXXX XXXX. I will lose alot of money when they do that because i own 65 partial securities that are currently losing money. XXXX XXXX does not allow partial securities. So i will be forced to take a cash equivalent loss. 
And XXXX does not allow what they refer to as unusual access. So i wont be able to trade when iam overseas. Which is 9 months out of the year. 
Can i force capitaloneinvesting.com to not sell my self directed account? 
XXXX XXXX
Consumer complaint received 2018-01-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC (NC)

We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had an invoice from a contractor whom I could not meet and who did not accept XXXX and XXXX. I made 2 payments spread over 2 weeks using XXXX XXXX. I was charged XXXX by XXXX for one payment and XXXX for another payment ( totaling around {$220.00} for an invoice for repairs. ) I got my credit card bill and found they charged me {$10.00} for each advance ( as a cash advance fee on top of the money charged by XXXX ) Had it been XXXX, that would not have been the case. 

None of this disclosed during the XXXX checkout process and XXXX XXXX refused to refund the 2 {$10.00} charges
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

I received 3 letters from XXXX  Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). Soon after receiving this information I submitted Dispute Letters to ( XXXX Equifax, & XXXX ) with the above derogatory account information on it that was given to me from XXXX. I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX  credit monitoring. I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now Equifax dropped another 7 points! I work very hard to get where I am at. So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX  and Equifax now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, Equifax and XXXX each received a letter from me disputing this account and asking for validation.