davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (CA)

I disputed an item on my Experian credit report for " XXXX XXXX '' on the grounds that the company never loaned me any money or provided me any service. This is a " credit repair '' product for people with bad credit. It seemed fishy to me, so I decided to not proceed with the program. The " bank '' never loaned me any money, never provided me any good or service, and I never received any credit card from them. 

I explained all this to Experian and asked them to remove the " missed payments '' and this account from my report. I didn't pay anything to " XXXX XXXX XXXX because I never borrowed anything from them! Experian declined to remove the bogus entry and it remains as a negative mark on my report. 

I request Experian remove this account and associated negative information from my credit file.
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (NJ)

i have contacted seventh avenue debt collector several times within the last 3 weeks about this fraud and identity theft of a XXXX  XXXX card placed in my name and now attempting to be collected by them last time was XX/XX/2022 seventh avenue XXXX XXXX XXXX XXXX, WI XXXX XXXX ( there address, on my credit reports... ) at this number ( XXXX ) XXXX and talked to XXXX I had told her I called before about this identity theft/fraud and how the other customer relations personnel from last call had indicated they would send me a formal dispute form which i never received nor is it on record that they sent one out as it was indicated to me by XXXX... 

I reported this fraud to them and to all three credit agencies so far they have rejected my online disputes and refused to give credence or legitimacy to my dispute nor have they sent me the dispute documentation they promised to, so i can formally dispute by paper and not only online which i have already done several times through my credit report agencies and XXXX XXXX 

i have been falsely accused of owing XXXX dollars and past due of XXXX dollars and on this fraudulent account and debt collection it indicates i am 120-140 days late...
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/22 I wire transferred {$500.00} from 5/3 bank in XXXX, IL to XXXX XXXX. 
The money was never received by the third party and my bank is just fobbing me off. 
The money was never received by the recipient.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (WA)

In order to unfreeze my credit profile with Experian, they now require me to create an account. 

After creating my account, they are sending daily marketing messages. They are claiming these messages are " account alerts '', but they're for other financial products and paid services that Experian is trying to upsell me on. 

There is no option to unsubscribe from these messages, because they are " account alerts ''. If I filter these messages or mark them as spam, I may miss important information about my credit freeze status ( e.g. a malicious actor manages to unfreeze my credit report ).
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

XX/XX/2022 - I received a call from an associate claiming to need verification of information in order for my accounts to remain active. I advised that had already been completed these steps. The associate was nonchalant with regards to continuing the call inspite of the threat to terminate my accounts, and without any confirmation of previous step completion. When asked why I was contacted and advised my accounts would be closed, I was told " that's the facts ''. I then asked to speak with a supervisor and was transferred to " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

She then advised she could remove the flags, again without confirmation that the steps were completed, and no reasoning on repeated calls. When I requested to speak with someone in a higher position, she refused and said she couldn't transfer the call. I asked to speak directly with her supervisor and that request was met with lies and deceit. These actions make me question the integrity of the company, and the adherence to regulations in place. XXXX requires that a supervisor be available, or an option to leave information for a callback promptly.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX ACCOUNT # XXXX This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ).

It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ).

You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I did not know, my fault, that they charge late fee for not paying the full payment. 

Payment Due Date XX/XX/XXXX Minimum Payment Due {$29.00} Payments - {$25.00} Amount Past Due {$4.00} XX/XX/XXXX LATE FEE {$15.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$33.00} Payments - {$25.00} Amount Past Due {$8.00} XX/XX/XXXX LATE FEE {$33.00} ** Payment Due Date XX/XX/XXXX Minimum Payment Due {$44.00} XX/XX/XXXX LATE FEE {$40.00} XX/XX/XXXX Return - {$32.00} XXXX Payments - {$25.00} Their late fees have risen unbelievably.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXXXXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

As Executrix for the Estate of XXXX XXXX XXXX I filed a distribution request with XXXX XXXX. XXXX XXXXXXXX Account Number is XXXX. I also completed an Affidavit of Domocile. This was completed on XX/XX/XXXX. I also requested copies of statements of the account as well as 1099s in order to file the estate tax return. I could not get XXXX to respond so I hired an attorney. They would not respond to the attorney either so a subpoena was issued by the XXXX XXXX XXXX XXXX, XXXX of XXXX, for account records. XXXX did not comply with the mandatory court ordered date. XXXX claimed the subpoena stated " Any and all account information or date, ... .. ) but did not specifically state " 1099s ''. XXXX ultimately forwarded the statements and 1099s but did not make distributions. 

On XX/XX/XXXX the XXXX XXXX XXXX XXXX issued a court order to make distribution by Friday, XX/XX/XXXX. XXXX failed to comply with the court order. My attorney sent a message on XX/XX/XXXX inquiring about the status of complying the mandatory court order. XXXX has not responded. 

My attorney says the only left to do is to file a law suit. 

XXXX has not right to withhold the money.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (IN)

I am writing to delete the following information in my file. the Item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the item as soon as possible.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (SC)

In XX/XX/XXXX, our property tax was incorrectly assessed at a rate of 6 % instead of 4 % and an escrow payment was made through our mortgage company ( United Wholesale Mortgage ) at the incorrect 6 % rate. We had this issue resolved in late XX/XX/XXXX through the XXXX XXXX Auditor 's Office, and in XX/XX/XXXX a check was sent to United Wholesale Mortgage to cover the difference between the 6 % and 4 % assessment rates ( approximately {$5400.00} ). During this process, our mortgage loan was transferred to a new company ( XXXX XXXX ). The check provided to United Wholesale Mortgage to cover the difference of the incorrect property tax payment was not transferred with our loan, so an escrow shortage is showing up under our new loan provider. As of XX/XX/XXXX, we show an escrow shortage of {$5200.00} and are paying approximately {$400.00} more per month in our mortgage payment to cover the difference. Over the last 6 months, my husband has spent countless hours on the phone with United Wholesale Mortgage to get this issue resolved. United Wholesale Mortgage has acknowledged that they received the check from the XXXX XXXX Auditor 's office, but they can not provide any sort of documentation that the money was forwarded to XXXX XXXX. As of right now, United Wholesale will not release a check to XXXX XXXX and we continue to pay out-of-pocket for the escrow shortage that should not exist. I have attached a copy of our corrected property tax bill ( assessed at the 4 % rate ), as well as a statement indicating our current escrow shortage.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
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: Navient Solutions, LLC. (NJ)

This is a XXXX  loan from XXXX. Also the original amount was XX/XX/XXXX of the balance. This account should be long gone off of my credit.
Consumer complaint received 2022-06-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc. (UT)

I spoke with a representative in XXXX and requested validation of this debt. No validation was provided. This company calls me two times a day, but the phone never rings and they only leave a voicemail. I demand validation of this prior to receiving anymore phone calls. 

To Whom It May Concern : Be advised this is not a refusal to pay, nor is it a notice that I acknowledge this debt but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Proof that this debt is not time barred. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please see attached letter for more details and all of the information requested.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

I have tried on multiple occasions to log in to my account with my SS #, phone number, email and name but I get a message that either my account is temporarily unavailable or to call a customer support number. When I tried calling the verification questions all had correct answers of none the above and it could not authenticate my identity. 

I want to access my account to freeze credit requests.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

They sent me a check for overage in escrow of {$250.00} and wanted to increase my loan payment XXXX plus increase my interest {$3.00} plus on my mortgage payment. I voided out the overage check and sent it back to them along with and addition {$71.00}. for escrow and the supportively the shortages they created and mailed them to them. They are now saying I have to pay the increase because if I don't they will not credit my mortgage and I will be in default of the mortgage. Mortgages in the past I have always paid up front supportive shortages and the payment and interest stays the same. They now have an addition {$71.00} in supportively shortage and the check I voided and mailed back to them. When I asked to speak to the escrow department They said they didn't have one and if I did not pay the increase of {$1200.00} from {$1200.00}. The reason I pay my supposed shortage is so that my mortgage payment does not increase whereas I am retired and live on a fix income and I do not want to pay addition interest when I can pay it all up front.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (PA)

I brought XXXX XXXX XXXX  Prepaid Visa Gift Card for my sister on her birthday in the amount of {$250.00} on XX/XX/2022 at XXXX EST. I attempted 3 times to make an online purchase with XXXXXXXX  for XXXX $ and the card declined all 3 times. So we decided to call customer support number on the back of the card only to find out the reason the card declined was because the card was compromised! The representative immediately admitted that the card was compromised and stated in order for me to dispute the transaction is to wait 7 business days for the transaction to post. I was so angry and confused at the same time! How XXXX did y'all let this happened??? Why do I have to wait 7 business days to dispute a transaction that was not made by me?? The card was hacked and used in XXXX XXXX New York while still in my possession in XXXX I spoke with about 11 representatives from XXXX XXXXIncomm and every single last one of them were useless! Oh & was hung up on by 3 of them named XXXX, XXXX and XXXX! Too be honest with you I'm starting to feel it's the people from the company hacking the cards. But I also spoken with someone named XXXX whom was very helpful and he did inform me once the transaction post to the card they will investigate, dispute then I will have to fill out a dispute form then send it back to them. He also mentioned a replacement card will be send out which I declined immediately. WHY WOULD I WANT A REPLACEMENT CARD, only to get hacked again? I do not want a replacement card send me a check instead & I do not understand why I have to wait at all for the transaction to post either, this burden is on y'all not me! So send me my check now! You would think XXXX XXXX the CEO, Founder and President of Incomm make more then enough to hire a tight security to protect the customers and users account information! Moiving forward I will never buy another gift card and I will be complaining to the XXXX  & my Attorney of General for Pennsylvania & Georgia! I will be contacting the bank affiliate XXXX XXXX as well along with XXXX, XXXX XXXX XXXX XXXX and the other 14 companies the cards can be brought at to warn them as well
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NC)

On XX/XX/XXXX I called AcimXXXX and spoke with a Rep about my bi-weekly payment not being processed. He said usually they will process before for after the date given if you have it on automatic payment which I did not know. He also stated that my payment bounced, it did not the money was in my account. We went back and forth about about that issue and I told him I wanted to to close my account on the date XXXX for {$230.00}. He became agitated because I told him to please stop saying my payment bounced. After my bi-weekly payment was taken with my debit card he hung up on me which was very rude because I was on my break and Idid not have time to call back and report it. I called on XX/XX/23 to see why they did not take the payment to close my account and I was on hold back and forth for a little over an hour for them to listen to the call which was inconveniencing. The supervisor mentioned that I did not say yes to close my account but that was what our conversation was about after we discussed my bi-weekly payment. They said I will owe over {$500.00} now and no one ever apologized for the representatives behavior. Customers should not be treated this way.
Consumer complaint received 2022-06-24
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX Account ending in XXXX and XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

New Information : On XX/XX/2022 I previously sent in a dispute requesting Experian delete this inaccurate, erroneous personal information from my consumer report. Compliant # XXXX I attached my identification with my correct address and my dispute letter and I received a notification today XX/XX/2022 that Experian was in the process of removing the address. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. which was was the address in question. Experian violated my consumer rights per FCRA, FCDPA. Experian deleted my correct and current address. My identification proves my accurate address and they deleted my current address. See the proof in my documents. I will seek monetary relief. This is illegal to remove my correct and current address.