davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (NV)

They sent an offer in the mail saying that I was prequalified. I entered in all of my personal information to then be denied. Which then shows on my credit report as an inquiry. They sent an email explaining that I no longer meet the requirements. Below is their reason for denial. 

The problem I have is non of their reasons make any sense because if these are the requirements, nothing has changed on my credit from the time that they sent this offer till now. Why would they instantly deny me and have me apply, which hurts my credit because its another hit on my credit. Also Im not comfortable that they now have all of my personal information.

We appreciate your recent Fortiva Credit Card credit application. Unfortunately, you no longer meet the minimum requirements for this offer for the following reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (KS)

I had a balance of {$240.00} dollars on XX/XX/XXXX with a promotional deal that ended that same day. The promotional deal was to pay no interest on purchases over {$3000.00} ( mine was over {$4000.00} ) for 18 months. I was lead to believe that, since I made my purchase with the Zales credit card, that the interest deal worked like a credit card ( meaning a balance of {$240.00} would create a very manageable interest amount added to the bill ). This was not the case. Conveniently, the reminder on the bill was hidden in the middle of the bill, and I was not notified via text or email about the due date ( they have both communication means on file, as they have contacted me on both about separate issues ). I've always paid my bill online, and I signed up for their online bill service, but apparently that wasn't enough for them to email me about the due date. Nonetheless, I paid the bill on XX/XX/XXXX, and, mysteriously, the payment didn't process until four days later, so the interest of the entire purchase was charged to my account. My bill has jumped up to around {$1200.00}.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (NE)

I have sent letters, called, disputed and they still are reporting unauthorized charges for 4 years as a charge off every single month on my credit report and making my credit score suffer for something they wont even verify and keep reporting stating their information is accurate ... its not, the charges that brought this account to the point of past due Ive told them this was fraudulent and the card was stolen. Ive even paid the balance without interest just to make it go away with them and they still insist on interest and will not even listen that this was Identity Theft! And to this day are collecting on this, refuse to verify and provide verification that the charges were in fact made by me but they were not and instead Im paying the price getting denied loans because of this one card that I didnt authorize the purchases on and have been fighting with them ever since. The balance reported at XXXX charged off. The balance is now XXXX. Totaling XXXX which is the card max. I paid XXXX of charges that I didnt make and they still want to be the only blemish on my credit report over {$300.00} and being too lazy or stubborn because they just want money even if that person didnt do it!
Consumer complaint received 2020-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I had previously asked Navient to close my account due to Identity Theft. They never responded. This is not a duplicate complaint. I have filed for Identity Theft protection with the FTC. I am sending Navient my Affidavit from the Federal Government. FTC told me to have all my fraudulent accounts closed. Navient is a fraudulent account. The Department of Education have already started a investigation. Including a police report and other enforcement agencies. 
This Affidavit Identity Theft from the Federal Trade Commission gives me Rights to have this fraudulent account of Navient closed and removed from my credit report. 
Navient if you do not accept this FTC Affidavit of Identity Theft and have any other form to state Identity Theft with Government approval to remove from my credit report download the form to this CFPB website and I will have an Government official to sign it.
Consumer complaint received 2022-01-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I received a copy of my consumer credit report and realized that Portfolio Recovery Association of XXXX, VA has reported an alleged debt to my credit report. This company is practicing abusive, deceptive, and unfair debt practices pursuant to 15 USC 1692g ( a ) 1-5. This alleged debt not only is reported to my credit report, but has been sold a total of 14 times to other 3rd parties. I never gave them per, mission to report any type of allege debt to credit report. This has hurt my credit score tremendously. This alleged debt has been sold and reported 14 times which is a total of 14 violations and this is why I am filing this complaint. I appreciate the cfpb for protecting consumers from these unethical, abusive practices. I look forward to hearing from someone about this matter, because something needs to be done. This type of abusive practices can hinder people from getting the things they need to provide for their family, because someone has reported an allege debt. If someone did that to them they would not like it. Thank you and I look forward to hearing from someone.
Consumer complaint received 2021-07-11
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: EQUIFAX, INC. (MS)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-11
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. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-09-11
Product: Credit reporting 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 became aware that my personal information had been compromised and used without my authorization. As a result, I have identified several unauthorized accounts and fraudulent transactions linked to my identity. 

To assist in resolving this issue, I have taken the following steps : Reported the identity theft to the Federal Trade Commission ( FTC ) and obtained a copy of the Identity Theft Report. 
Filed a police report with my local law enforcement agency Placed a fraud alert on my credit reports with the major credit bureaus.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Last Monday  XXXX   XXXX , Chase bank decided to close all  XXXX  of my credit cards.  XXXX  business, and  XXXX  personal credit cards. The personal credit have been opened without 2 years and the business for over  XXXX . Never have I missed a payments, overspent half the credit line or took adavantage of any points rewards system. I am a model customer with no problems. Matter of face I have been with  Chase si nce Washington Mutual. Like I said never been late, missed a payment or abused or over used the credit lines. I had a credit line of {$120000.00} approximately with a balance of {$4500.00} total which has since been paid off.
Consumer complaint received 2017-07-11
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)

I have a  XXXX   XXXX  account on my credit file that does not belong to me. I have disputed this account for many years as a case of identity theft. It was removed by all CRA except Equifax who has been doing a shoddy investigation or nothing at all. Equifax kept putting this derogatory item on my credit report regardless of the fact that   XXXX   XXXX   can not substantiate this claim that I ordered anything from them.  Below is the way they posted the record on my Equifax file. If the account was closed and charged off in  XX/XX/XXXX , why is it been charged off again in  XX/XX/XXXX ?    I believe Equifax is more interested in messing up people 's credit profile than helping them correct erroneous entries.   I have recently contacted   XXXX   XXXX   again with a completed identity theft form notarized and mailed to them. Please, I need help with Equifa x 81-Month P ayment History Year XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   Back to TopBack to Top
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

For the past 3 months I have been trying to get XXXX and Equifax to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with XXXX  and Equifax and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.
Consumer complaint received 2017-07-11
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. (NY)

all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with XXXX, XXXX and experian countless times with no luck
Consumer complaint received 2017-07-11
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: Experian Information Solutions Inc. (IL)

Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I do not owe this debt and there are 2 different ones on my credit bureau reports. I have asked for validation of this from this company and have not received anything. I do not owe this company and have never done business with them or have never had a contract with them. They are ruining my name and I want it to stop.
Consumer complaint received 2017-07-11
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: EQUIFAX, INC. (GA)

I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a deposit to my family account #  XXXX  at the ATM on    XXXX  17.  The ATM misread the check that was for {$4200.00} as only {$200.00}. I asked the bank teller at the branch whether that evening the ACH would correct the error and was told it would clear out at   XXXX   on  XXXX 17. The bank made the deposit correction but then put the {$4200.00} on hold. They removed the money from my wife 's professional corporate account on  XXXX / XXXX / 17 . I am at a loss as to what BAML is doing by putting a hold on a deposit where they removed money from  XXXX  BAML account and then hold it from our personal account. Finally it was resolved but the CFPB should know about these types of electronic systems that create problems for the customers.
Consumer complaint received 2017-07-11
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. (FL)

This is to inform you that TransUnion has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>* XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AC AutoPay LLC, Denver, CO Branch (IA)

In XX/XX/XXXX, I voluntarily turned over my XXXX XXXX XXXX to the creditor, AC Autopay due to my inability to continue payments. I was notified the vehicle was sold at auction and that the balance I still owed was {$1600.00}. I received phone calls from AC Autopay to request payment, which I was unable to do. I was then informed that the debt had been sold to a collection agency, identified as XXXX XXXX XXXX. I then started to receive phone calls from the collection agency assigned to this debt, XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I negotiated a lower amount to charge off this debt and issued a check for {$1300.00} to XXXX XXXX XXXX. I did not hear any more from this debt collection agency and noticed that the debt had dropped off my credit report. 

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX claiming that I owed {$1600.00} for a debt originally owned by AC Autopay. I spoke to a man named XXXX on the phone and assured him that I had paid this debt. He requested a copy of the check, which I emailed to him on XX/XX/XXXX. Again, I did not hear anything further about this until XX/XX/XXXX when I was served court papers from XXXX XXXX representing XXXX XXXX XXXX stating that they were suing me in small claims court for {$1600.00} for their client AC Autopay. I responded to this with a denial of claim and court is now scheduled for XX/XX/XXXX at XXXX.
Consumer complaint received 2017-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (AZ)

Hi, Wells Fargo, car loan repossession within 45 days I had previously submitted a concern for towing charge and excessive fees during during 2016 for a repossession from Wells Fargo bank. It was determined that they were in the right and they " had contacted me. '' But the more I thought about it, there were automated calls that came through, but I never actually talked to a person. It seems to me that if a car is repossessed that I should have a chance to pay it. I had the money. It was late, but I was less than 2 payments behind and it was within 45 days. We were struggling and it did n't even dawn on me that a company could repossess a car that quickly. It completely shocked me, and after the fact it struck me as unfair.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

I am contacting the CFPB as I am being given the run around from my mortgage servicing company, Ditech. My loan had been in review for a loan modification for several months when I was finally given a loan modification. The loan was never given a trial modification but I was given a permanent loan modification dated XX/X/17 was mailed out XX/XX/17 by Ditech. The agreement was due by X/XX/17. The permanent agreement was executed X/XX/17 and returned. <P/>The first payment was due X/X/17 which I have made all permanent payments from X/X/17 through X/X/17 in which Ditech accepted all of my payments. Last week, I was advised the modification was denied due to they are unable to create an affordable payment. <P/>I do not understand how I was approved for a permanent modification, made 6 monthly payments and now I can be denied?
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I dont think you realize just how stressful this situation is for me. These inaccuracies on my credit report are making things even worse, and its like a never-ending nightmare. Ive been trying to get this fixed for the past two months and havent heard back. Im really struggling here and need this resolved urgently.
Consumer complaint received 2024-11-19
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I had mailed on XX/XX/XXXX, in the amount of {$240.00}, for the house payment, without their statement and their envelope, which I had not received. Enclosed in the envelope was a note and my check number XXXX. Today, I called their call center and a XXXX indicated that my check has not been received and had the audacity to say that all of my correspondence keeps being returned from the Post Office, which is a lie! They offer no remorse. <P/>Here we go again, another game play from these people. This has been happening since, XX/XX/XXXX. No matter how nice I am to these people, they are always playing games. These employees are playing with my money and a possible foreclosure, due to their irresponsibility and failure to take action. <P/>Their business practices are not professional, nor compassionate. Their actions are not, as such, unprofessional. I have never received an apology for any of their negative comments, nor action to offer to assist me on anything.
Consumer complaint received 2020-05-12
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: Weltman, Weinberg & Reis Co., L.P.A. (WI)

I paid the full amount of this account off which was in the amount of {$2700.00} On XXXX/XXXX/2014
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.