davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, XXXX, and Transunion along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Transunion failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Transunion never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Transunion has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Transunion has failed to provide any correspondence whatsoever in regards to any of my disputes which is unacceptable. Due to these numerous violations Transunion must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.
Consumer complaint received 2020-03-10
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. (KS)

My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and XXXX.
Consumer complaint received 2020-06-05
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. (TN)

To whom it may concern, I am sending this email to in regards to a complaint on Experian credit bureau. They have continued to ignore my requests for debt validations on my report and have failed to respond to my 2nd debt validation letter within 30 days, being in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). I have requested via certified mail that due do this violation, that Experian delete/remove all negative accounts from my report immediately to with they have failed to do so as of this date. Please see time line and corresponding letters and documents below. I have hand written a number at the top of each document for reference purposes. Thank you for you time and attention and most importantly your role of protecting consumers like me from these institutions that take advantage and have no regard for the lives that are affected by these accounts. Thank you so much! 

Please see the following : * I sent my second request for validation of debts to Experian on XXXX. ( labeled as # 1,2,3 ) * Its was received by Experian on XXXX ( labeled # 4 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 5 ) * From the time that they received my validation request on XXXX to XXXX when I wrote them back, a full 63 days has past with no letters or documentation from Experian verifying any of the debts listed on my account, putting them in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). 
* After 63 days had past I wrote Experian a letter by certified mail explaining to them that they have failed to send me a response in the appropriate time under the Fair Credit Reporting Act. ( labeled # 7 for the letter and # 8 for the certified mail receipt. 
* Experian receives and signs for the certified letter on XXXX. ( labeled # 9 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 10 ) * Experian sends the same generic response letter saying that accounts are valid with no proof or documents that I requested nor any names of the person/person that validated these so-called debts and that also brings the time that they failed to respond to my original letter received by them on XXXX requesting validation to a full 94 days all together. ( labeled 11,12,13,14and 15 Update : It is now XX/XX/2020 and Experian has yet to validate these items on my report. 

Thank you
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (CA)

Professional Credit Services informed me by letter that they were attempting to collect a debt. This letter was dated XX/XX/XXXX. I replied by Certified Letter with Return Receipt on XX/XX/XXXX requesting information to determine that the debt is valid. The letter was delivered on XX/XX/XXXX and signed for by " XXXX XXXX ''. I have received no response to this letter.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX  XXXX charged off my account, even though it was not 120 days late. At any rate, I have a Charge Off for it. The charge off was in XXXX. Now, XXXX, adds an ( S ) to the word Charge Off, making it read as " XXXX XXXX '', and has a XXXX on there. Now it looks as if I have XXXX accounts with XXXX XXXX  XXXX as a XXXX Off, and each month they add a number to it. A charge off can only be XXXX single event. After that the account show should Not Reported for payments and should not be adding to the " number '' in front of the word Charge Off, making it plural with an S, and changing the number of instances. The number of instances is fundamentally wrong. 

They also did the Exact same thing with my XXXX 's account Status. 

Charge Off can only be 1 incident. 

To try and say I have been charged off 4 times, is egrergious, false, and lacks merit. 

I had 2 accounts charge off. The number stays there. 

I have not had 4 accounts, as is the way Experian  makes it look. 

This is a disservice to the consumer, especially someone affected by XXXX, who did not get unemployment benefits for 94 days because the State of AZ did not have the 'right system in place yet to authorize the self employed individuals under the CARES act. '' Otherwise this wouldn't even have gone without being paid, if I had received my funds on time from the AZ Unemployment Authority. 

At any rate, this cred report and not factual statements and falsehoods of Multiple Charge Offs per XXXX and Multiple Charge Off per XXXX  XXXX needs to be fixed by Experian. It is Experian 's report, not the creditor. Creditor has been sending in the file as Not Reported correctly, it is Experian that keeps changing the number of times and made it plural.
Consumer complaint received 2020-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i went to buy a XXXX  watch through postmark and when me and the seller went unto a agreement with price the person acted as if they were the wife of the owner of the XXXX  watch and they told me if it was ok to pay with XXXX  XXXX to avoid them being hit with postmark fees, which i agreed on and the supposed wife told me she would tell her husband to text me who is the alleged owner of the XXXX  watch and there as texted me to my personal phone number and i asked them a few questions and everything added up after sending multiple questions, after that i sent the sum of XXXX USD through XXXX XXXX  and right after the person has blocked my number, and had deleted their poshmark account. and they just ran with my money. i tried filing a claim with XXXX XXXX and they refuse to help me and closed my XXXX XXXX account after filing a claim with the cfpb with no reasoning at all but also i have an issue with my bank mainly, when i filed a claim directly that i got scammed they gave me a credit of XXXX $ meanwhile they investigated the issue with XXXX XXXX  and about XXXX months have passed since i got scammed and all the sudden i get a letter in the mail saying that my bank can not help me any further with the dispute and their going to take back the credit of XXXX $ they gave me even through XXXX XXXX showed a negative balance of -XXXX $ before my account was shut down by XXXX XXXX meaning bank of America Was Able to get the money from XXXX XXXX successfully but regardless bank of America left me with a negative balance on XXXX XXXX  and took the XXXX $ back without me ever getting a cent back from when i got scammed. when i previously filed a claim with cfpb for XXXX XXXX they did remove the negative balance and my balance was at XXXX But now they've shut down my XXXX XXXX account for no reason. and bank of america has left me out of the XXXX $ i got scammed out off back in XX/XX/2020. at a time like this. i should be protected from theft right?? not only was i robbed out of XXXX $ but is also the person is impersonating someone. and possibly scamming a lot of other people
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP (TN)

XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to Republic Finance m or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, Republic Finance did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX XXXX claim requested in XX/XX/XXXX.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Our mortgage holder, New Rez, and their servicing arm Shellpoint Mortgage, have failed to pay our property tax bill on time. We are very close to having our lack of payment be included in public record and I am very concerned. Their lack of response, and inability to reach anyone live that is capable Of giving me sufficient feedback is extremely troubling. Their also failed to pay my homeowners insurance on time, but luckily that department handled my matter within two weeks of me notifying them.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

Yesterday, I received an email from Comenity Bank in reference to a Zales Diamond Card that I have had for a number of years. I've always paid my card in full and I don't use it often. The email was notice that unless I use the card at least once before XX/XX/XXXX, Comenity will close the account. I don't have a problem with them closing it, honestly. The troubling part of the email was the threat that they made to report the closure to credit bureaus negatively ( it being widely known that an account shown as " Closed by Creditor '' is detrimental to credit ratings ) as quoted following : " Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I have sent them a letter requesting that they close the account but that they report it as " Closed by Consumer '' to the credit bureaus. Hopefully, they will do as I have asked. 
This approach seems heavy-handed to me and I question the wisdom of creditors being allowed to encourage consumers to unnecessarily use a credit card. I think that a better way for creditors to handle this type of situation would be for them to offer to close an unused account and show it " Closed by Consumer '' instead of encouraging consumers to use a card to avoid a negative entry in their credit reports.
Consumer complaint received 2020-03-10
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. (NJ)

XXXX VISA account appears on my Transunion credit report as hard inquiries, ( 3 times ). I have disputed many times those 3 account via Transunion and also directly by calling this company but every time transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS 3 HARD INQUIRIES TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THOSE INQUIRIES.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

Awhile ago, I had opened an account with Chase. After a few months I decided that I would stay primarily with XXXX XXXX because I thought they were better so I closed my Chase account. Months later, after alot of complaints with XXXX XXXX, I decided chase was the better bank and I closed my XXXX XXXX account and decided to go back to chase. 
I used a XXXX  dollar bonus voucher and the rules under it state that an account could not have been closed withing 90 days. When I emailed asking how to get the bonus because there was no place to enter the voucher, I recieved a reply on XX/XX/XXXX & I was told my XXXX  dollar bonus was going to be applied and all I had to do was set up a direct deposit before XXXX. I am including all the emails. As you can see, it was in reference to THIS account in question. 
After my first direct deposit was made, I contacted them several days later to see why my bonus was not applied and they claimed I could not have it because I can't have two bonuses within 2 years and said the person who emailed me saying I would get it was referencing my old account. As you can see in the screenshots, my new account in question was clearly listed in my query and her response. 
I asked repeatedly for them to present me with reading material on this " 2 year '' rule as I presented them with the 90 day rule which was included in the ONLY rules listed under the bonus faq on thier site AND on their voucher. They would not show me. 
Ultimately, in their last response they acknowledged that I was correct in the rules I stated and stated they would no longer respond to me. Basically " oh well '' and I never received the bonus for banking with Chase again. I will stay with them because I prefer it to XXXX XXXX, but like every other bank, they're liars and cheats.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (MI)

On XX/XX/20, a representative from " LendGreen '' contacted my elderly parents via telephone, asking to speak to me. She repeatedly asked them for my phone number. When they asked her what this was about, she refused to answer and continued to ask for my telephone number. When they refused to give it to her, she hung up on them. This was very upsetting for my family. I then called the number that had called them. She answered the phone using my name ( apparently they have caller ID ). I asked her why she had called my parents ' home looking for me ( I have not lived there in over 20 years ), and she would not answer until I " verified information, '' including my social security number, which I refused to do. She would not give me any further information other than she was from " LendGreen. '' I do not know anything further about this company, and have not been associated with them in the past. I told her not to contact myself or any of my family members moving forward.
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MN)

I got my auto account paid off through a banker 's check # XXXX US {$73000.00}. This check got mailed to the creditor Ally Financial Payment Processing Center XXXX XXXX XXXX XXXX, Arizona XXXX on XX/XX/2020. 

The payoff was good until XX/XX/2020. That day came and went, and Ally is unable to confirm receipt or processing of the check and continue to charge me interest daily. The company maintains that its XXXX processing center can not be reached by phone by their call-center representatives, and an email sent to the center by one of the managers on XX/XX/2020 has allegedly not yielded a reply to date. 

On the XX/XX/XXXX of this month, I got compelled to issue a phone payment of US {$400.00} to avoid being reported delinquent to the credit bureaus. The whole amount was consumed by interest, leaving the principal balance and payoff amount about the same. 

This week Monday, XX/XX/2020, we canceled the initial check at the request of Ally Financial and reissued a new Banker 's Check # XXXX for US {$73000.00} which was overnighted to their processing center in XXXX, Kentucky via XXXX ( Tracking # XXXX ). The check was received and signed off by a XXXX at XXXX XXXX the following day. However, at the time of writing this complaint Ally has not credited my account and the representatives maintain that they can not explicitly track the exact location of the check and all I have to do is wait. This is at the expense of interest rates that continue to accrue on a daily basis. 

I find their inability to communicate with their payment processing department a deliberate effort to hold consumer payoffs to maximize on profits based on daily accrued interests. 

Each time I call, I get talking points with no tangible help whatsoever, the latest being that the checks are handled by machines and no human can track it until it posts into a consumer account. 

I am requesting the intervention of the Bureau and that of Ally 's higher management to expedite the processing of this payoff and to get a refund of all interest charged since XX/XX/2020, which was the date of the initial payoff. 

Regards, XXXX
Consumer complaint received 2020-03-10
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. (NV)

EXPERIAN IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING EXPERIAN TO REMOVE THE FRAUDULENT XXXX ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS XXXX AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I responded to an ad on XXXX about someone selling XXXX XXXX miles. The individual provided me with pictures of his XXXX XXXX account, a small portion of his identification card and then called me to walk me through the transfer. He even sent me screen shots of the flights to assure me that we were looking at the same flights and everything. He also " talked '' to his child, and his wife at various points during the conversation, to set me at ease. I sent him the money via XXXX through Chase Bank in two transfers and as soon as the second transfer went through the call disconnected. I immediately called back and the line was no longer in service. I called my bank and they said there wasn't anything they could do and for me to contact local law enforcement. I asked to file a claim and they refused to because they " can not contact the person '' and that it was my fault. The representative also told me that a scam is not fraud. I have pictures of the ad and all the pictures that the individual sent me ( including of his XXXX account! ) to deceive me. They clearly know that banks will do nothing to help the consumer and therefore act with impunity and do not care if you have their information. It is not right that neither XXXX nor Chase take no responsibility or assist the consumer.
Consumer complaint received 2020-03-10
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: DISCOVER BANK (NV)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OBTAINED AND MAINTAINED A CREDIT CARD WITHOUT MY CONSENT. I HAVE NEVER AUTHORIZE FOR THE DISCOVER CARD TO BE OPENED AND MAINTAINED. THIS ACCOUNT IS NOW CLOSED, I NEED THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT IS CLOSED, WITH XXXX BALANCE I NEED THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.
Consumer complaint received 2020-03-10
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. (TX)

XXXX pd officer ftc violation I want removed The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (TX)

On XX/XX/XXXX, I received an email from my XXXX credit card stating my credit score had recently went down. I pulled my credit XX/XX/XXXX and it shows a person opened an XXXX XXXX account and it is in collections for XXXX $ Collection shows opened XX/XX/XXXX and shows it has been reporting on my credit for 3 months, and I have no idea who this is and was not me. I am in the process of freezing my credit now so this can not happen again. 

Please advise on how to get this off my record. 

Thank you
Consumer complaint received 2020-03-10
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: DISCOVER BANK (UT)

Discover # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I have been in Contact with this company now for. Hear. Trying to remove this negative credit reporting on my account. Ive ow Disputed this charge Through XXXX. The information is false on their behalf and this issue was previously resolved. Im now being harassed and have notified the XXXX. Theyre refusal to stop calling to collect a payment that was resolved 2 years ago.