davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (OR)

I have recently become aware of Wakefield and Associates collection agency reporting dates of service multiple times. As an example, Reporting date XX/XX/21 for date of service XX/XX/21 with multiple reports on my credit report. 2-5 times duplicated of same date of service. There are so many multiples it would be difficult to dispute on my XXXX  and XXXX reports. I contacted two representatives tonight trying to explain my circumstances, to no avail. They kept telling me I had 38 collections. Of course I do, with multiple reporting on the same date of service. All I want is for them to be investigated and multiple reporting taken off my XXXX and XXXX credit reports.
Consumer complaint received 2023-04-11
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: Chime Financial Inc (PA)

On XX/XX/XXXX My credit builder card from chime was used to pay on a person 's bill with comcast.i called chime and informed them this charge wasnt me they then told me they canceled my card and open a dispute.after not hearing from chime i called comcast.they informed me chime withdrew the XXXX on XXXX second and provided me the confo id for the refund.i try to give cut to shirt and they just keep saying theres no refund but wont ask for the conformation # from XXXX proving they refunded my XXXX.
Consumer complaint received 2019-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is in reference to complaint : XXXX I was contacted by XXXX from an individual that identified as from 'office of the president '. Inappropriate and insufficient statements were said that were recorded. They indicated they are marking this concern as resolved despite not addressing any of the complaints discussed in previous complaint. 

1. In correspondence on XX/XX/XXXX to customer support I specifically want them to respond to the fact that their employee provided false information to undersigned about the companies ability to correct credit reporting. This was not addressed and seems to have been selectively avoided. 

2. Further, the credit account was closed inappropriately. In my contact from individual today, they asserted that in the phone conversation that she alleges listening to said that I specifically requested the account be closed. This is false to facts, as I informed her and she only replied that the transcript of conversation would not be included in report to CFPB and that it would have to be subpoena 'd to be objectively examined. This is line with the possibility that this bank is attempting to conceal incriminating information as to their malfeasance and discriminatory behavior towards myself. 
: Further I suspect there is a protocol and dialogue which requires express agreement before account closure which was not completed. This can be shown if transcript is acquired. 

3. In phone conversation today the individual identified from XXXX did not propose any ACTUAL DATA to disprove my claim that I did not receive email notification of account balance. 

4. Also the fact that my specific correspondance sent to the 'office of the president ' that had been returned AFTER being opened - yet being contacted by office of the president : there is no account as to why it was seemingly subjectively refused and returned to sender AFTER they viewed the contents. This also seems to be an unethical/illegal act. 


XXXX 's handling of this incident is very concerning and I will be contacting local media to convey this anecdotal experience to raise awareness to other consumers as to the unacceptable business practices of barlcays.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NM)

I received my first statement from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at Old Navy in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from Old Navy at my address after these last two purchases were made and now i know why. XXXX XXXX sent me a copy of an Old Navy statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ). 
2. From XXXX XXXX, i also received a copy of a letter dated XX/XX/XXXX stating that Synchrony Bank had sold the account to XXXX XXXX. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either. 
3. XXXX XXXX must have researched as i received their first statement dated XX/XX/XXXX to my correct address. 
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with XXXX XXXX regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX. 
After researching my past bank statements and resolving the fact that I do have two Old Navy Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at Old Navy in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from Old Navy and not having received any collection letters from Synchrony Bank, I was unaware that these two purchases were left unpaid. After receiving two XXXX XXXX statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to XXXX XXXX in anticipation of resolving this matter quickly. As I never received any Old Navy statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ). 
I contacted the Senior Citizens Law office in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if XXXX XXXX had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally XXXX pages of positive credit reports and the one from XXXX XXXX ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-08-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: Credit Karma (PA)

A Credit Karma savings account was opened without my authorization. I accidentally clicked a link and then a savings account was opened. No disclosure was made clear to me. When I attempted to close my Credit Karma account I was not able to close the credit monitoring account because the savings account was open. I was not aware that I had a savings account open so I contacted support and had it closed in XX/XX/2021. I tried again today to close my Credit Karma account but it was not able to be closed because the savings account exists, even though the savings account is still showing open.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CT)

Loan Depot had contacted me about refinancing my home mortgage. I gave them an application, working with XXXX XXXX. He knew I was also applying at my credit union for the refinancing. Loan Depot sent me a loan offer, along with the full HUD statement. 

XXXX had told me Loan Depot could match or possibly do better than the offer I was waiting to receive from my credit union. I sent XXXX the HUD statement from my credit union 's offer, as he had requested. 

XXXX came back with a better offer than his original offer, but it was still significantly higher than the credit union offer. He stated he could not do any better on an offer. He and I agreed the credit union offer was the better one, and that I should pursue that one. We agreed I would not take the Loan Depot offer. 

Today, XXXX XXXX, 2021, I received from Loan Depot in the mail an " Adverse Action Notification '' and " Statement of Credit Denial, Termination, or Change. '' The reason given is " Credit application incomplete ''. There is also the statement, " APPLICATION DECLINED. '' I spoke to " XXXX '' at the Customer Care department, who told me the computer automatically defaults to the Adverse Action Notification. I told him this was mistaken and not factual. My application was, indeed, complete, and I had received an offer of a loan from Loan Depot. He told me he could not change the information, and he could not reach a supervisor. He said he would have a supervisor call me tomorrow.
Consumer complaint received 2021-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly disputed these accounts with the credit reporting agencies and have notified them if this information is not removed in 14 days my attorney will be filing a formal federal lawsuit regarding this matter. 

Account in question : XXXX XXXX XXXX Last reported XX/XX/2021 {$5800.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2019-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc. (PA)

Applied for personal loan with company stating to be Lending Tree. Ultimately approved loan for XXXX but wanted me to buy gift cards with money they were to deposit into my account for credit insurance. They have my drivers license and SS number. XXXX is the number.
Consumer complaint received 2021-08-04
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. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (AL)

On XX/XX/2021 a deposit was made into into the Bank 's ATM machine. The bank reversed this deposit stating that they could not deposit the check because another name ( my wife 's name ) was listed on the check. 

During that time, we incurred several overdraft fees. We went into the branch where the atm deposit happened and the bank gave us the check back and stated that they would refund all overdraft fees once we cashed the check at another bank and brought the cash back. 

My wife is also a customer of this bank and myself. We both have personal accounts, we asked could we cash the check in the branch and were told no. 

We were then told to cash the check where the check originally came from, which just so happened to be that bank. We were still told we could not cash it at the branch. 

On XX/XX/2021, we had a deposit go into the account. The bank only refunded 3 charges, even though due to their error we incurred 7 charges.
Consumer complaint received 2021-08-03
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (HI)

1. XXXX XXXX 2. Date of false reporting starts almost 4 years ( XXXXXXXX XXXX ). Its still reoccurring to this day. 
3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since chexsystems isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at XXXX. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, XXXX  bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by chexsystems. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there bs off in first place. Im sending with this report my bank statement who issued check directly to XXXX XXXX. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that XXXX received check.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I had put my car in a transmission shop since my vehicle has had a problem since I got it I was told they were going to fix it they gave me rentals told me they will wait 30 days to get parts to have there mechanic fix it and once those days were over they told me they were not fixing it so here I am I took the step to take my vehicle to a transmission shop to get that fix upon myself the mechanic did not fix my vehicle it came back worse and he lied stating he would do payment plans he ended up wanting all the money so I had my bank pick it up I paid my bank that I finance thru XXXX to get car back and now it doesnt even drive I then called the bank they told me they were not responsible for that they just picked up the vehicle to help me so I then called the auto shop the manager said I could bring back the car so he could fix it because I had warranty I then told him okay thats fine he told me he was gon na tow it back to his shop to fix it that being said he never came to get it there for Im without a car and Im in the process of about to have to let my job go as well I just want my car fixed
Consumer complaint received 2019-12-11
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. (GA)

XXXX XXXX is reporting to Experian and XXXX  incorrect and inaccurate information about my original account with XXXX XXXX XXXX. They have not fixed it despite my requests. XXXX is sending them a letter from the debt they bought from XXXX in XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XXXX-XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as the date of deliquency and hat is INCORRECT and they WILL NOT provide original creditor information. I have reached out to company and have told the credit agencies they are incorrectly reporting. I have requested ORIGINAL creditor dates over and over, and they take the letter XXXX provides from XXXX in XXXX as truth! Deceptive and malicious. Have submitted complaint about XXXX and now it is the agencies turn for skimming over me! This has impacted funding my business and buying a house.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX  XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XXXX throughXX/XX/XXXXXXXX  The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX  XXXX  never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX   dollars per month. I never expected XXXX  XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.
Consumer complaint received 2019-12-13
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)

Experian is incredibly difficult to work with in terms of freezing your credit for protection. Their automated systems are not working for me and it tells me to send in information or call customer service. When calling customer service, their automated phone system makes it literally impossible to navigate the menus and get to an actual person. I've called the phone system multiple times and tried different menu options and it still kicks me back and out and I can't talk to a human! I just want to place a freeze and confirm that Experian has my correct information on file, and I can't get help!
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


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