davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
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. (OH)

On or about XX/XX/XXXX I was informed of negative information reported by the XXXX Federal Court-XXXX in  my file that Equifax XXXX XXXX Maintain. Upon receiving this information, I immediately sent a letter to Equifax challenging the accuracy, compliance and reportability of the listing. Equifax XXXX XXXX never responded to nor sent any documentation associated with this account, bearing my signature. Therefore I sent another letter on XX/XX/XXXX as a follow up to my original letter dated XX/XX/XXXX regarding the entry being reported under XXXX Federal Court- XXXX XXXX In this letter I stated that they were in violation of federal law by not replying to the first letter in a timely matter and that they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. In response to the follow up letter, Equifax sent results of the dispute after not responding to the very first letter. The problem I have with this, is the agency they have listed as being the agency the information was verified through, is XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX, I had my files frozen and suppressed by XXXX XXXX per my request and received confirmation in the mail on XX/XX/XXXX of doing so. Upon receiving the results from Equifax XXXX XXXX, I was puzzled on how they obtain information on frozen and suppressed files, so I telephoned XXXX XXXX XXXX and was told, no agency called to request information on my files and that my files were frozen and suppressed.I have a serious problem with companies that blatantly lie and blow me off, because they can not prove accuracy. This is the reason why I am filing the complaint. I have included attachments as proof. Thank you
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, 2017 I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. <P/>A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX XXXX. <P/>For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I  have is a reference number # XXXX. <P/>I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. Because I am not a Wells Fargo customer and this was a cash deposit, it has been especially difficult. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. So far I have no indication that this will actually happen. I plan to get in contact with XXXX County District Attorney as well as the Wells Fargo Board of Directors.
Consumer complaint received 2017-11-20
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 (NY)

On XXXX XXXX I applied for a NEW Blue Cash Preferred account using a promotion that XXXX offered. I received an email from American Express confirming receipt of application and then spoke to a representative. She assured me that although I had a Blue Cash Everyday, since I never had a PREFERRED account I am eligible and will receive these incentives ( a ) no {$95.00} fee the first year ( b ) {$200.00} after spending {$1000.00}. 
I have many other XXXX credit cards and had I not been assured of this I would not have opened this account.Nevertheless, I was charged the {$95.00} fee and see no evidence of the {$200.00} bonus. 
I spoke to a representative today who claims that I am not entitled to these. 
Please help. Thank you.
Consumer complaint received 2023-08-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 2017-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (SC)

I received a letter from a collection company called Hunter Warfield on XXXX XXXX of this year. They listed an arbitrary sum from a former landlord who repeatedly failed to fulfill their duties as a landlord under North Carolina State law. The landlord had harassed my family before sending this to a collection agency. <P/>I did some research on the internet and using your website realized I could dispute the charges and make them provide relevant information. I talked to Hunter Warfield around XXXX XXXX on the phone about the charges and told them I was going to dispute the charges. They said it did n't matter and they could still report me to the credit bureaus. <P/>On XX/XX/XXXX I sent Hunter Warfield a letter disputing the charges and CC 'd the Department of Justice in North Carolina ( creditor location ), South Carolina, and Florida. I pointed out in the letter is was illegal for them to report me to the credit agencies, hence CCing the DOJ. I also requested they mail me : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North and South Carolina. <P/>On XX/XX/XXXX, the NC DOJ wrote me back and thanked me for reporting Hunter Warfield. Hunter Warfield never responded to my dispute letter and reported me to XXXX and XXXX onXX/XX/XXXX. I learned that they had reported me on XX/XX/XXXX.
Consumer complaint received 2019-03-07
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. (TX)

Equifax and XXXX are reporting me as 60 days past due on the XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

I have been going through a severe financial hardship these past several months. My income was severely impacted, and I had a hard time making payments. I kept my balance low on my Macy 's credit card and always made my payments on time. My balance as of this writing is {$650.00}. I went on to pay my monthly bill, and received a notification that my credit line decreased from {$4000.00} to {$700.00}. This has dropped my credit score even more, and is not ethical. I have always been in good standing with this creditor, and they have made even more difficult for me now to get back ahead from this recent hardship.
Consumer complaint received 2017-12-04
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: Experian Information Solutions Inc. (NY)

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME. IT STATES I AM CO-SIGNER ON A VEHICLE AN THIS IS NT TRUE AND INNACURRATE I NEED THIS REMOVED FROM MY CREDT FILE IMMEDIATELY
Consumer complaint received 2019-03-07
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. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2017-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime (NV)

On XX/XX/XXXX, 2017, I purchased a used vehicle from DriveTime. Unfortunately, after driving off of the lot, my cousin wrecked into the back with the other car. However, I was covered through my insurance and Gap on the dealer 's end, but the financial summary is not matching up to what they are saying. The car was quoted to be valued a little under 10k. I put XXXX down, but financed the remaining amount of XXXX. The loan included warranty, gps services, and maintenance service. None of which I was able to take advantage of since I had the car for only 20 minutes. My insurance is paying over 7k to cover the majority of the remaining balance and Gap will cover the rest. However, as I pointed out to the dealership, the money I paid towards the entire loan should have included many of the services I did not receive. My insurance company also agrees and advised that the dealer should reimburse me for a portion of these expenses. They have even taken a car payment from the bank they go through, which XXXX, a loan agency hired by DriveTime is behind a some of this financing arrangement. The dealership us refusing to cooperate and was extremely rude. I am left with nothing and am hoping you can help.
Consumer complaint received 2017-07-07
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. (AZ)

On
XX/XX/XXXX 2017, Chase Bank NA sent me three separate letters saying that my three chase consumer credit cards ( all with balances of {$0.00} ) had been closed due to : 1 ) Rapid Increase in revolving balances 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit.
<P/>
They have refused to re-instate my cards, and what is more of a problem for me is that on one of my accounts the Chase XXXX XXXX Credit Card ending in XXXX they have refused to pro-rate a refund of the annual fee of {$450.00} which was paid in XX/XX/XXXX of this year, since I have barely gotten 6 months of use out of this card I do not see it as being fair that they refuse to provide me with a pro-rated refund of the annual fee OR to re-open that account so I can enjoy the card benefits for the full 12 months.
Consumer complaint received 2019-03-07
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. (CA)

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

XXXX XXXX  XXXX, XXXX Inquiry date : XXXX. XXXX XXXX. XXXX
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (NY)

On Friday XX/XX/2019 Convergent Outsourcing Inc contacted my father about an alleged debt with XXXX XXXX. They told my father details about this debt including amount owed. I never gave Convergent permission to speak about this debt to anyone. My FDCPA rights have been violated. I previously had written to them to verify this debt before this occurrence. I still have not received this verification. When I spoke to them on XX/XX/19 I also verbally told them that I would like this debt verified and last time I spoke to somebody about this debt I had also asked them to verify it.
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have recently been informed that there is negative information reported by Portfolio Recovery. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$780.00}. This account was removed previously from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) I I challenge the accuracy, compliance and reportability of this listing. Portfolio Recovery has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-07-24
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. (TX)

I have submitted letters in XXXX  2017, XXXX 2017, XXXX  2017 .... These companies still have fraudulent information on my credit report.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA (FL)

An Attempt to secure a loan through LendingUSA was negative- declined due to they could not identify me. http : //lp.lendingusa.com/lending/1/? utm_source=ppc & utm_medium=cpc & utm_campaign=Bing I was under the impression no credit check would be done but subsequently found out they used a company called XXXX [ " XXXX XXXX XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] XXXX partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact LendingUSA proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. Lending USA was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhojo Enterprises, LLC (PA)

I was stationed in XXXX with the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In approximately XX/XX/XXXX I got a 1 year contract ( month to month after the 1st year ) through the on-post XXXX XXXX for XXXX XXXX ( XXXX ) cellular phone service. I kept the service until XX/XX/XXXX when I left XXXX due to a military XXXX. I cancelled the XXXX XXXX contract in XX/XX/XXXX as part of the XXXX checksheet ( a sheet you have to complete before the XXXX allows you to leave the country ). The contract had already reverted to a month to month contract, but was still cancelled the proper way in accordance with SCRA Section 535A. Two years later in XX/XX/XXXX, a company called XXXX XXXX ( owned by Rhojo Enterprises ) sends me a letter saying that I owe them about XXXX euro. I immediately emailed them a notice of dispute requesting debt validation etc. They called me and in talking to the company representative they claimed they did not buy the debt from XXXX XXXX, but that they were the US debt collector for XXXX. In XX/XX/XXXX they emailed me again saying I owed ( even more ) money to them now as they were charging 8 % interest on the " debt ''. They were offering to discuss a settlement in the email, knowing full well that the account was in dispute to begin with ( and this was 3 months later, they still had n't provided validation of the debt ). Finally, 8 months after it was requested in XX/XX/XXXX, they provided " documentation '' of the debt. This did not include the original contract with my signature, it did n't include the original contract terms, and it was basically a word document showing monthly statements for AFTER the contract was cancelled. A couple weeks later they sent me another email saying I owed them money and included the same documentation they had sent a couple weeks prior, with some of the information stripped out. I have n't paid any of this, and they still insist that they are the US reps for XXXX and that they did n't buy the debt from XXXX. They refuse to drop it, despite the fact that it is a clear violation of SCRA.
Consumer complaint received 2017-11-20
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. (OH)

An attempt to fraudulently open a new XXXX XXXX account and make a purchase to XXXX of approximately {$340.00} through my XXXX account was initiated on Sunday, XXXX XXXX, 2017. I received an email from XXXX directly that the attempt was made but the request was denied. I immediately called XXXX to inquire about this attempt because I currently have an existing XXXX XXXX account and made it known that this attempt was not initiated by me and was fraudulent. The request was denied because the initiator could not answer the personal questions related to my person correctly. After discussing with Customer Service, they labelled this attempt as fraudulence and assisted me in changing my account password. I have not received further correspondence from XXXX, but noticed a new hard inquiry on my XXXX account. This inquiry was fraudulent and needs to be removed from my credit report. XXXX  does not allow online investigations with hard inquiries.
Consumer complaint received 2017-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I am have trouble with American Education Services ( AES ). On XX/XX/XXXX I received an email stating that my most recent payment is past due. However, the payment was due on Friday, XX/XX/XXXX. I processed the payment around XXXX for the full minimum balance on XX/XX/XXXX which was the due date of the payment. I reviewed the website both on XX/XX/XXXX and XX/XX/XXXX and my payment is listed on their website as scheduled on XX/XX/XXXX but not processed. I contacted their customer service office on XX/XX/XXXX around XXXX and was told that I was three days past due and the rep requested a second payment. When I stated that I made a payment was made on XX/XX/XXXX before XXXX XXXX. I was told that is correct we do have a payment, and we usually clear payments between XXXX and XXXX however, we did not clear yours because 1 % of our customers make payment without having funds in their account. Although you may have never done this we will not show your account as paid until we receive payment from you bank. I said if that is your internal process then you should not send me nor my co-signer late notices. ( Which they did on XX/XX/XXXX ). The rep stated well that 's what we are going to do because some of y'all do n't properly pay your bills. I told him that I would seek legal action. I believe it is improper for AES to list my account as past due when I made a payment on the due date and prior to the close of business time listed on their website. I made the payment directly on their website to ensure something like this would not happen. I believe they are providing misinformation not only to me but to my co-signer by sending her a notice that I am behind on a payment when I am not. Even if they are not sending this information to the credit bureau they are sending incorrect and misleading information to their loan holders and co-signers. Please tell me what I can do.