davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
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 have an inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This ran without my consent and I don't even know why my credit was run by XXXX XXXX XXXX. I tried calling on XX/XX/XXXX and continuously got transferred around with no solution. 

I have a XXXX Inquiry from XX/XX/XXXX on my report and this company is a mortgage company. I inquired about their services and next thing you know I just so happen to be looking over my report and a credit check was ran without consent. The information I gave to them I thought was going to be used to keep my information on file, not a credit check. I reached out to them on XX/XX/XXXX and they said they don't even have my name in any of their files.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, 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. (CA)

Equifax has placed my account with their Consumer Affairs Dept. which have declined me the ability to view their credit file on me in real-time via any and all credit monitoring service, including their own website.This has proven detrimental to my ability to damper or eliminate any fraudulent use or activity with my credit file.I am only able to view a copy of my file with them when I'm able to phone the Consumer Affairs Dept directly and this usually requires being directed to several depts. going thru a redundant amount of security questions again and again which averages 20mins or more each call. Once I can speak to someone they are very restricted to what they can tell me and always say that I will have to wait until they mail me out a copy of my file.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (NY)

I have canceled the XXXX XXXX delivery service way back sometime in XXXX of 2016, returned all Equipment and Empty bottles and canceled service, not long after I was charged for Water delivery on a service I canceled and on top of that never received any water bottles in the first place. I called XXXX XXXX about this issue and the representative said that they will review with the field supervisor and give me a call back, months passed and no call back and the amount was sent to collection services and affected my credit score.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2019-12-23
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. (CA)

I was made aware of some accounts on my credit report that do not belong to me today XX/XX/19 when I was denied from getting a loan. I had no idea that these accounts were on my credit since I did not open them nor did I allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any purchases or payments towards these accounts. I'm not sure who could have stolen my personal information to open these accounts but I have already filed a police report. I do not have any written or verbal contract with any of these companies and I have never given them permission to run or access my credit information.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Consumer complaint received 2019-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (MA)

I am a XXXX veteran and have medical coverage through the VA. I told the collection agency over and over again that I did. They threatened to take me to court, take my house and take my XXXX check. The medical bill came from a trip to the XXXX XXXX XXXX XXXX room, in XX/XX/2018. They took my insurance information said I was covered, never billed me and now sent a {$2500.00} expense to collections.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (GA)

I had several Regions Bank accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.
Consumer complaint received 2019-08-14
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: DISCOVER BANK (TX)

I took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.
Consumer complaint received 2019-08-14
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. (CA)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 PXXXX XXXX ) XXXX, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, EXXXX XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-08-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I applied for a modification of the first position mortgage and was approved for a trial modification. I am eligible for a permanent modification if I resolve the liens against the property. 

I have entered into a repayment agreement with Santander but they are refusing to issue me proof that they consider their lien subordinate to the XXXX mortgage. They stated that the nature of the lien makes it subordinate and they are refusing to issue a letter or email stating that they are subordinate. I have also sent a subordination form to them that XXXX has drafted and they refuse to complete the form. 

If I don't get any help with this, I will lose my home. XXXX issued a denial letter today stating that I was denied based on the fact that I have not resolved my lien.
Consumer complaint received 2019-08-14
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: WELLS FARGO & COMPANY (WA)

Wells Fargo Bank follows a policy of making it difficult to contact them, forcing waits often of an hour and more. 
A web search reveled that this is a widely embraced policy. Suites such as XXXX, XXXX XXXX and XXXX have been developed to deal with this problem. None of them work for me. In particular they provide no way to contact the group one needs to talk to, directly, at XXXX. Instead one has to be transferred to a call center, which obviates XXXX procedure of calling on ones behalf so one does not have to wait interminably on hold. 
I had requested a stop payment to XXXX XXXX XXXX ( I am XXXX ) on Sunday XX/XX/11 and was told to call back on Monday to provide reasons why. The phone never answered. This means the stop payment will go through without XXXX being advised why. I depend on their home delivery service. Usually I have been treated well, but both XXXX and Wells Fargo have blocked my attempt to reach someone at XXXX to resolve the issue.
Consumer complaint received 2019-08-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Recoveries, Inc. (IL)

National Recoveries, of XXXX XXXX. XXXX XXXX, XXXX XXXX, MN is a debt collection agency. I have repeatedly requested names, dates, amounts of loans, and payees. Only a very small part of my request was sent to me. They are seeking to attach, seize, or take my only continuing monthly financial asset. 

There are multiple violations of the 1977 Fair Debt Practices Collection Act. Section 1692 ( e ) disallows '' ... the seizure, garnishment, attachment, or sale unless such action is lawful. '' There is no lawful court order here, no notice of specific action beyond vague threats, nor service ( nor any aspect ) of legal process. Section 1692i ( a ) ( 2 ) provides that " Any debt collector who brings legal action on a debt ... shall bring action in the judicial district ... '' Seizing one 's Social Security is legal action, but there is no evidence of court or other legal authority action.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Last month I disputed this debt in order to verify it with LVNV funding, they not only failed to comply with my request for documentation, they also have threatened and intimated me into paying this debt on multiple occasions!
Consumer complaint received 2019-08-14
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. (FL)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: POPULAR BANK (NJ)

I initiated an account opening with Popular XXXX for an Ultimate Savings on XX/XX/2019. Today, XX/XX/2019, an account closing was initiated by said company. I noticed what was done when checking my account online. I then called Popular XXXX to find out what was going on. According to a customer service representative spoken to on the phone, the account was closed due to suspicious activity. No further details or explanations could be given on the case because not enough information was available to the representative. The company failed to inform me of their actions and completely disregarded me as a customer. Also, Popular XXXX failed to contact me to report the suspicious activity. The company then charged a whopping 25 dollar closing fee. This company is clearly using shady business practices to open accounts for new customers, promising them high-interest rates, to then close them days later for their benefit, and charge heinous fees in the process. These actions are completely unfair and should really be taken into account when trying to provide good customer service. I did not commence the account closing and should not have to pay or be charged a fee for actions on behalf of the company. It is completely ludicrous and shows a level of high disregard for customers hard-earned money. I am now 25 dollars short for something I had nothing to do with, and the company is 25 dollars richer. What is the fairness in this? Just another financial institution making false promises to fatten up their wallets. I am completely appalled by their actions and others trying to open accounts should be very wary when trying to do business with Popular XXXX.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MO)

I paid off the collection account for LVNV Funding in XXXX of 2019. After calling and emailing several times i was finally sent a clearance letter from XXXX XXXX XXXX whom did the collecting dated XX/XX/2019. 

When checking my credit report in XXXX and XXXX of this year they have the account showing open, XXXX balance and 120 days late.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Four years ago, in 2019, I asked Capital One to close my XXXX XXXX XXXX checking account ending in XXXX. CapOne has nevertheless kept my account open all this time. I can not even access my balance. I even complained to CFPB previously ( see Complaint ID XXXX, attached for reference ). Recently CapOne had the gall to notify me that since my account 's had no activity for 24 months, CapOne intended to close my account and ESCHEAT MY BALANCE to a third party! ( Attached for reference ). That email gave me the supposed option of logging in to online banking to make a transaction. However, it's a fake option. When I logged in and attempted to link an external account so that I can transfer the funds, I repeatedly received an error message : " Oops, we've hit a snag! '' ( Attached for reference ). So CapOne is PREVENTING me from accessing my own funds. My mailing address has not changed over all these years, so CapOne has no excuse for not refunding my balance to ME. CapOne is holding my balance XXXX, and threatening to send it to someone else, which is unfair, deceptive and abusive. CapOne probably does this to many customers, and needs regulatory enforcement and a class action lawsuit to correct its practices and make customers whole.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I found a Charge offs on my Credit report form BANK OF AMERICA. I disputed it with the CRA it came back verified. I than sent a letter to BANK OF AMERICA about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your BANK OF AMERICA does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I was told in XXXX 2017 that I could not open a bank account because ChexSystems had an account lock for some reason against me. I just turned XXXX and I have never had credit or any kind of loan or other bank account, so there must be some kind of fraud going on. 

I immediately contacted ChexSystems and asked for a full report about what the reason was for the account lock, and they sent me some information in the mail that did not have any specific information as to why they locked my ability to open a bank account. 

I called them back and they would not answer any specific questions over the phone, but said I could file for another paper copy of my report again. I already did this and they gave me no information. I 'm going around in circles and they are giving me ZERO information about how to find out what is on the ChexSystems report under my name and personal information.
Consumer complaint received 2023-04-12
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: Resurgent Capital Services L.P. (PA)

I was trying to purchase a home and I realized I had damages on my credit report and according to the 15 U.S.C 1681 law, there shouldnt be any damages on my report. Its a deformation of my character.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX claims to be a collection agency reporting a collection account on my TransUnion credit report. On XX/XX/2020, using their address as shown on my XX/XX/2020 credit report ( please see attached screenshot ), I sent a certified letter to XXXX XXXX requesting validation of their reported collection account ( please see attachments ). Since that mailing, Ive received notice from the USPS ( please see attached ) that my letter was undeliverable because the  forwarding order for this address is no longer valid. Credit Visions incorrect reporting of their contact information has illegally prevented me from pursuing my legal rights under the FDCPA to obtain validation of the debt they are negatively reporting against me. 

Further, TransUnion is complicit with XXXX XXXX in violating my legal rights. TransUnion is reporting to have verified this debt on XX/XX/2020 ( please see attached screenshot from my XX/XX/2020 credit report ). It seems 1 )  they did not actually investigate this debt and opted to fraudulently report it as verified, and 2 ) they violated my rights under the FCRA by reporting inaccurate information on my credit report, thus preventing receipt by XXXX XXXX of my request for validation.
Consumer complaint received 2019-08-14
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. (NC)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Consumer complaint received 2019-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation (WA)

" Merchants Credit '' appears only on my XXXX credit score stating I have a delinquency on my account with an original balance of {$660.00} and a current balance of {$700.00}. I have never received any form of communication with merchant 's credit, and they do not return my calls.