davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
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. (LA)

Hello, I have been notified by equifax that my information might 've been compromised by the recent hack on Equifax. I 've contacted Equifax twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with Equifax. 
Equifax apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX
Consumer complaint received 2018-04-01
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. (MN)

XXXX [ XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ] has pulled a REGULAR INQUIRY on XX/XX/XXXX and XX/XX/XXXX, without my consent. I am not a XXXX XXXX credit card holder. They also pulled a INQUIRY ANALYSIS on XX/XX/XXXX, utilizing a very old address of mine ( over 10 years old ) : XXXX XXXX XXXX XXXX, XXXX, MN XXXX.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XXXX XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

IC System had an open collection for XXXX XXXX XXXX for {$400.00}. They were sending notices to my old address and calling an incorrect phone number. As soon as I saw it on XXXX XXXX and XXXX XXXX I contacted them to resolve the issue. I paid the balance of {$400.00} and they sent me a letter stating that the balance is paid in full and will be deleted from my credit report but it is still on my report.
Consumer complaint received 2018-04-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through XXXX but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to XXXX because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and XXXX as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my Experian credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I was contacted by a person who wanted to purchase a XXXX I had posted on XXXX and he asked me to please request the money through paypal which I did, shortly after that I started receiving emails from paypal service with instructions on how I should send package and that money was in my account waiting for me to mail out package so they can give me credit on my account, I went ahead and mailed package as instructed and sent them verification as instructed in emails, however it was all a fraud, I am not blaming paypal for the fraud but I have contacted them on XX/XX/XXXX and XX/XX/XXXXand requested for them to investigate who this person is, they must have an account with Paypal and they have not even tried to help me with this situation, I am out XXXX and they do nothing to stop this person by shutting down this account so he is not able to do this to other people, I sent the emails the buyer sent me and they tell me they are not fraudulent? so then where is my money??
Consumer complaint received 2017-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX RE : Account # XXXX This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as accurate. Im sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, because the software can have limitations when it comes to completing a proper investigation of records. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. 
Basis for dispute : I do not recognize this account and am requesting an investigation. 
If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which will also include complete removal of the account. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of the completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the 3 credit reporting agencies ( XXXX, XXXX, XXXX ), of deletion of this information from my credit file. XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.To avoid potential legal action and further issues, I hereby request that you remove the account from my credit report. 

Sincerely, XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a Florida resident and former homeowner ( who just sold my home XXXX, XXXX ). I had filed for a home loan modification under the XXXX XXXX bailout " HELP FOR HOMEOWNERS '' in XXXX, XXXX ( after Bank of America was bailed out by the federal government and given hundreds of billions of dollars to HELP HOMEOWNERS ). 

Bank of America however never helped me. All I requested was that my original home equity mortgage payment of {$340.00} a month be restored. However Bank of America increased my mortgage payment threefold to {$1200.00} a month and threatened to foreclose on my home. In good faith, I listed my home for sale, successfully sold my home XXXX XXXX, XXXX ), and paid off the Bank of America equity line mortgage in full. 

However upon the closing statement with Bank of America, I see the following fraudulent charges I am now disputing and seek to be refunded in full by Bank of America XXXX and along with treble damages ). 

- Foreclosure Fees {$260.00} - Uncollected Fees {$1900.00} - Subtotal {$2100.00} Total times 3 ( for XXXX damages for consumer fraud ) = {$6500.00} My loan number with Bank of America is XXXX. My case number with Bank of America 's escalation department is XXXX. My closing statement wherein documentation as to my having paid off Bank of America in full ( along with their fraudulent fees, documented above ) is herewith attached. 

I have repeatedly phoned Bank of America speaking to the following representatives in the mortgage, foreclosure and " customer service '' departments XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all of which thus far have done absolutely NOTHING ). 

Please investigate Bank of America for bank and consumer fraud as this type of activity has been going on for years, which I have personally experienced with the lender XXXX bailed out by the federal government and simultaneously lying to, deceiving and defrauding American citizens throughout the nation daily ). 

Bank of America must be brought to justice and a class action lawsuit commenced to ensure defrauded citizens are repaid and monies stolen by Bank of America returned and restored to hardworking American citizens. 

Respectfully, XXXX XXXX XXXX XXXX www.Linkedin.com/in/worldproperties XXXX XXXX XXXX is a certified Florida XXXX XXXX, XXXX XXXX XXXX, Wellness Trainer, XXXX XXXX, and Author of more than 20 books who has touched 76 countries serving the U.S. Military, Companies, Cruise Lines, and Universities across the globe.
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CT)

For the past 35 years I have had a checking account and fee-based credit card at JP Morgan Chase. About three years ago I was solicited by one of their financial advisors, in the XXXX, Ct. branch to open a Chase Private Client investment account, which I did. No management fees were involved. 
One day in XXXX he informed me that he may be losing my account and that " it was out of his control. '' When I received a call from my new Financial Advisor ( FA ) in a town 40 miles away I called my FA. He NEVER returned my calls to give an explanation for the transfer, which was without my consent. When I finally saw him all he would say is " I am not your F.A. and I do n't have to speak with anymore. '' About three weeks later In about XXXX XXXX I received a notice from JP Morgan informing me to close my checking account within 30 days. Days later I received another notice telling me to close my brokerage account within 60 days. Neither letter gave a reason. 
I have written to the office of the XXXX, XXXX XXXX and to other parts of the bank asking that my checking account be reopened ( BUT NOT my brokerage account ). I have also tried to reopen the account at another branch to no avail. The Compliance Department in Texas appears to be blocking any resolution and nobody will give an explanation. As an aside my former FA has either been fired or abruptly resigned in XXXX XXXX. After being a client for 35 years with an impeccable credit rating ( I still have my credit card there ) this is grossly unfair. I have come to believe that I am the brunt of an emotional problem the FA had who must have concocted a wild exaggerated story for the bank to have done this. All I request is that my checking account be reopened.
Consumer complaint received 2024-08-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

I paid my original car insurance policy in full and did not renew or agree to the new amount. I received a letter with the renewal amount but did not sign or pay because I was not renewing. Nor was an notice given that I didn't to cancel to not be " charged ''. Believing the policy was canceled, I later received a bill for {$170.00}, which covered a partial period that the insurance company claimed to have canceled at their discretionsomething I did not agree to. They then immediately handed it off to a debt collector, despite knowing their error. I contacted the XXXX to try to resolve the issue, but the insurance company/debt collector is unwilling to remove the fraudulent charge that I did not agree to, stating that the policy auto-renews without my consent and I had to call them to cancel. However, this was not mentioned in the letters sent to me, nor was I given any notice on how to cancel.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TN)

I wrote into THD ( Citibank NA ) on XX/XX/17 with the following request verbatim in their secure messaging system : Please limit my privacy options : Remove all sharing. Do not share or market my information with any third parties at all. This includes affiliates and non affiliates of Citi or THD.

Change my email settings to Service Contact Only. I do not want email offers.

Change all phone settings to Do Not Call.

Change my privacy to not receive any telemarketing offers by phone or mail.

Take me off any calling or mailing list please.

Thank you!

The response on XX/XX/17 was verbatim : As you requested, we have updated your privacy options. Your name may be included in marketing programs currently in progress, so please allow 30 days for all solicitations to cease.

Please let us know if we can be of further assistance.

This request has not been fulfilled. I am still receiving promotional emails every few days. I have saved all items sent after 30 days in my inbox. Currently I have 5 items received on or after XX/XX/17. The actual dates are XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, and XX/XX/17. I will continue to monitor as additional emails get received. This is a clear violation of my request and my privacy. I never received any promotional offers from THD prior to the issuance of this credit card
Consumer complaint received 2017-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is a prior CFPD complaint ... unresolved concern ... .I have a credit card XXXX that was reported on all three Credit Bureaus XXXX , XXXX & Transunion . Having a revolving charge card, that is paid appropriately is an additive to booster the my credit score. Transunion Credit Bureau deleted XXXX ..all XXXX data relating to me for my Transunion Credit report XXXX There was small discrepancy, I disputed on XXXX history, this resulted all of the XXXX card business to be deleted. The other two Credit Bureaus deleted the small bit of disputed data. Transunion action results in a lower score and higher interest rates, costing us thousands of dollars. We are livid.
Consumer complaint received 2023-06-09
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: Harley Davidson Financial Services Inc (SC)

I had cosigned a note with my grandson for a motorcycle with XXXX XXXX, Due to Covid, employment was lost due to the pandemic, I worked with XXXX XXXX to repossess the bike with a verbal agreement they would not hold me responsible. This was over 3 years ago. Since that time they listed it as Charged Off Due to Natural Disaster. The account has been purchased by other organizations repeatedly, Every couple of months they change the wording on the charge off so they can resubmit this and keep it at the top of my report. My score is greatly affected and when I file a dispute and they fix it, it is reported again and moved back to the top of my reports. 

I feel this is nothing more than harrassment from the people who purchase the loans and continually sell the off to another to report it again. My credit is perfect other than this continuing problem with this from XXXX XXXX.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMCOL Systems, Inc. (NC)

AMCOL SYSTEMS INC Account # : XXXX Date : XXXX XXXX, 2015 I have a collection account on my credit report from AMCOL SYSTEMS INC. Please be advised I am disputing this collection due to the fact the AMCOL SYSTEMS INC does not currently have a valid license to collect debt in the State of North Carolina according to the North Carolina office of financial regulations, I am requesting that you delete this account from the file or provide me physical proof that you are licensed to collect debt in North Carolina. Thank you
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-11-01
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: BARCLAYS BANK DELAWARE (NV)

On XXXX XXXX, XXXX, I call XXXX to report fraud charges on my credit card. I was out of town when this charges occurred. I received a letter dated XXXX XXXX, XXXX, from XXXX, stated : '' Our research has indicated that the transactions are valid ''. I called XXXX and ask why the determination and was told that a chip card was used. I responded that one of the fraud charges was an online purchase that could not be a chip transaction. I had believed that the card was always in my position but this may be false because I also have a second XXXX credit card through my wife 's account, so it the card might have been stolen. The fact the XXXX stated that they where chip transactions are in question because at least one of the charge was an online transaction that could not have involved the use of the chip. 

I never gave anyone my card nor was I in town to make the charges in question.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File # XXXX XXXX Names Reported : There is no XXXX XXXX  XXXX XXXX and I have never applied for credit in that name. TransUnion has added or has a name on my credit file that is not no name I have used in any way to apply for credit at anytime
Consumer complaint received 2017-09-24
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. (GA)

I have sent in several letters of dispute for items on my credit report that are inaccurate. XXXX and Equifax are both showing several accounts showing open by Dept of Education and XXXX for the same accounts. They also have some of these same accounts showing closed. It 's all a big mess and I am not getting any help in getting them corrected. The accounts show the same date and account number with two different loan comapnies. I have requested many times to have the loans validated and the balance and payment history to show correctly. They only respond back to me that the information was verified. I have requested proof of each loan and the balance. I have sent letters to XXXX and the Dept of Education. I even sent letters to the XXXX. These duplicate accounts and incorrect balances are causing harm to my credit worthiness to potential credit providers. At this point I feel that I have no other choice than to consider taking legal actions against them.
Consumer complaint received 2017-09-24
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. (IL)

I submitted a police report to Transunion for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a XXXX date are Fraudulent and should be removed according to the FCRA guidelines.