davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (TX)

This complaint is a follow up to a previous complaint # XXXX. I am pasting here the text of an email I just sent to Experian regarding ongoing issues with the company, including harrassment. 



XXXX XXXX XXXX XXXX XXXX XXXX Attachments XXXX XXXX  ( 5 minutes ago ) to support To whom it may concern : I have made several complaints about your Experian Boost program, specifically the failure of the program to adhere to the policies expressed on your website. After months of my payments for my utility bill and other bills which are easily seen being made monthly .. I have complained on your facebook messenger account and via twitter. I did this after I was apparently blocked from complaining on your website. I have had my credit rating change for the better over months from what it was, but it appears there is an intentional effort to hold me in a fair credit rating ... My credit rating was raised by 2 points on more than one occasion, Last week after I complained to you and after frustration to the Consumer Financial Protection Bureau, the CFPB mailed my complaint to your agency who said they were waiting for your response., ... Subsequently in a couple of days I received a notice saying congratulations for doing a good job, my credit rating was raised by one point, I also received a notice saying I was now eligible for a different credit card,,,,, the other cards were removed and a new high interest card with fees was added. 

In addition a couple of days later I received a package in the mail .... Upon viewing the package there was in red writing " XXXX XXXX XXXX XXXX XXXX '' When I opened the package, ,there was indeed a XXXX pamphlet. There is no denying it was from your agency because the stamped address was XXXX. XXXX XXXX XXXX, Texas, XXXX ... .However, the company name was not on it I am attaching photos of the envelope and pamphlet. 

This type of behaviour by employees of Experian should be unacceptable, I hope someone with moral character/credibility will respond to me with an apology and solution for the ongoing problems I have faced ... This is a systemic issue ... as I have faced other problems over decades with your company and other credit reporting agencies .... Truth crushed to earth shall rise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I ordered merchandise from XXXX XXXX XXXX on XX/XX/XXXX and it was shipped to incorrect address. I called XXXX XXXX XXXX about the merchandise and they claimed they would credit my account when they received the merchandise back. They did credit my account by depositing the {$91.00} on XX/XX/XXXX that was billed on my Comenity Bank XXXX XXXX XXXX Credit Card. I had assumed XXXX XXXX  XXXX would give me a credit to the credit card used, they didn't. I had called the credit card company on XX/XX/XXXX, because my payment was due and I told them what had happened. I did not want any late fees or reports to the credit bureau for this error. When I went online to see what was happening on my account and pay the bill with the {$91.00} credited to my checking account, I was surprised to see ANOTHER {$91.00} added to my account along with a late fee and interest. Calling Comenity again, they explained they had " loaned me '' the disputed value of {$91.00} so I know owe over {$210.00} for merchandise that was returned to XXXX XXXX XXXX. Comenity bank told me today that I needed to contact XXXXXXXX XXXX XXXX and try to get a credit. I also tried calling XXXX XXXX XXXX but gave up when I was on hold for over 30 minutes. It is very disconcerting that a credit card company does not know the basics of accounting, the difference of a credit and debit.
Consumer complaint received 2020-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

On XXXX I looked at my credit report from XXXX, XXXX  & XXXX  & I noticed two medical collection for XXXX XXXX XXXX being collected by Transworld Systems Inc. One in the amount of {$270.00} & the other of {$420.00}. I do not deny that this debt is mine, but I also do not recall owing anything as well. That same day XXXX I sent a simple debt validation to TSI/ Transworld Inc in order to verify this belongs to me. I also sent a letter on the same date to XXXX, XXXX, XXXX  asking them to verify this is truly  mine. I patiently waited and after over a month I have not received any response. I sent the same letters again asking for my right to know. At this point it has been well over two months & I have not recived a response from either the collection company Transworld Systems or the credit reporting agencies. I have nowhere to turn with this injustice.
Consumer complaint received 2020-10-08
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. (ID)

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, XXXX, and Equifax and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX
Consumer complaint received 2021-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northern Arizona Creditors Service, Inc. (AZ)

Northern Arizona creditors service inc. received a medical bill to collect on me a few years ago. I set up a payment plan and never missed my payments, I even paid extra sometimes. I paid off the debt on XX/XX/2020 with XXXX XXXX at Northern Arizona creditors service , inc . In XXXX they reported I still owed a balance of XXXX dollars and I had to dispute it. They then reported the balance was paid for a less amount but paid in full. I have a letter I received from them saying it was paid in full and uploaded it after the dispute came back resolved but it was reflecting incorrectly. XXXX told me it was paid in full and when they report to the credit Bureaus that is how they will report, paid in full, nothing more. They not only reported improperly but also notated the account the same improper way.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has violated my rights by not following proper fair credit reporting practices. I submitted a dispute online on XX/XX/XXXX I have been monitoring the progress since I started the dispute. the date of completion was set for XX/XX/XXXX. I called today to find out the result. they explained to me that the investigation has been completed. when i asked them why I was not informed they started that it was emailed to me. I replyed I never received the email, when I asked them which email they send it too they could not answer me and only replied that unfortunately the email was sent. They stated that the investigation was complete but I was not legally notified with-in the time frame they had. I requested verification and they would not provide it to me. I was never notified and I could not see the results online which is my right, with-in the time frame which is required by law of 30 days. The information has to be deleted. Transunion did not do the proper investigation and violated my rights under section 609,623, and 611 of the fair credit reporting act. I would not be so upset if the results was available to me online but no results where posted and I can only take there word with no proof of validation and with holding the results from me. the dispute and information must be DELETED
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is a follow up to case # XXXX. I received an email on XX/XX/XXXX that XXXX XXXX XXXX for Bank of America was looking into my complaint. The email ( see attached ) stated that I must respond to him by the XX/XX/XXXX to review my complaint. I called the number provided and left him a voicemail on XX/XX/XXXX and XX/XX/XXXX. I called him again on the XXXX, left a voicemail and called the cell phone number provided. The cell phone number provided stated it was a number that could not be completed as dialed. On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating that he had until XX/XX/XXXX to respond back to me. I never have heard back from them. Instead, I received a call on the XXXX from XXXX XXXX, the individual who was a part of the scam. The reason I know this is he stated that he was the one that had talked with me in XXXX ( he had a heavy XXXX accent ) and asked if I remembered him. Of course I did, he scammed me out of almost {$50000.00}. I went off on him about scamming me and hung up on him. When I immediately called him back, the number XXXX had been disconnected.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (RI)

Identity theft. In XX/XX/2020, I received multiple letters from JP Morgan Chase Bank that accounts had been attempted to be opened ( fraudulently ) in my name but it was declined due to inability to verify identity ( correctly ). I called the Bank and informed them that yes indeed, I did not attempt to open any such account. Several weeks later I received two letters from JP Morgan Chase Bank that two accounts had been opened ( fraudulently ) in my name with my address, each funded with {$160.00} and very shortly overdrawn by {$120.00} and {$180.00}. I called again and was transferred to numerous departments and was given numerous explanations but no real help and no willingness to close the accounts. I did give them a great deal of information with promises to investigate but to no avail. I opened up account with identitytheft.gov, notified credit companies, and sent them letters. 
The accounts at JP Morgan Chase Bank are XXXX and XXXX. Why would they open accounts without verification and then allow over drafting within 4 days?
Consumer complaint received 2020-01-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I'm being charged for a loan when I told the university XXXX XXXX college that I would not be able to attend due to health crisis and I dropped out of the program yet they went ahead and processed the loan as if I never stopped attending. I was dismissed as nothing could be done but there seems to be something.
Consumer complaint received 2020-03-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I was notified of a fraud alert on my account. I did not contact Experian or any other agency that I needed a fraud alert. When I called XXXX XXXX and XXXX  to remove the fraud alert they both said, the fraud alert came from Experian. I called Experian to find out why there was a fraud alert put on my account and who authorized it. They would not give me an answer. They just said, there was a voice mail. But they refuse to tell me who the voice mail came in from. They refuse to tell me what was said. They refuse to tell me why they didn't confirm who it was that called them ... it could have been anyone. This makes no sense b/c when anyone calls Experian for any reason, you must answer a bunch of questions before they will give you any information ... yet, they just took some stranger 's voice mail to put a fraud alert on my account. This is fraud on their practices and procedure. They refuse to look into this situation. I have called multiple times. They will not return phone calls with any information. This is unacceptable to me. They refuse to check themselves and their policy, practice, and procedure ... or acknowledge any wrongdoing on their part. I want answers or an apology and a promise that my account will not be compromised again.
Consumer complaint received 2020-03-06
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (KY)

I purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, IN on Tuesday XX/XX/XXXX. I had an appointment at the dealership to test drive the vehicle and have my trade evaluated. I had quite a bit of positive equity on my trade so I decided to do the deal.

The dealer came back with a 60 month financing approval but I wanted 72 months. The bank then found a lender that would finance my truck on 72 months. Westlake Financial was the company and I am a paid in full customer of theirs. I decided to accept their terms.

I received a welcome call from the finance company about a week and a half after the purchase that covered my payment, due date, etc.

Around the 2 week mark I received a call from the dealer letting me know that Westlake needed additional documentation and more  money for the down payment. Granted I put down over XXXX from the equity of my trade. I told them I wasnt giving them any more money but I would provide the documents.

I called Westlake customer service on Tuesday XX/XX/XXXX to figure out why it has taken 2 weeks to underwrite my loan. The customer service representative was able to transfer me to my actual underwriter. I spoke with her and mentioned my displeasure with the situation. She asked me about a previous car loan that was paid in full, but was still on my credit report. I provided the documentation to the dealer to send to the lender.

I also have some concerns over the payoff of my trade in. I gave the dealer the 10 day payoff which is now expired because the bank it taking forever to underwrite my loan. Totally unacceptable.
Consumer complaint received 2020-03-06
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (MI)

In XX/XX/XXXX, XXXX XXXX XXXX called saying that I have {$2000.00} owed to " Mastercard '' from XX/XX/XXXX. I told them that I don't have a Mastercard, that I never have had a {$2000.00} credit limit and that if it was in fact from XX/XX/XXXX, then the statute of limitations expired in my state ( Michigan ) after six years. They told me it doesn't work that way and that they would sue. They have since sent letters to my mother 's house when I have never lived there nor do I live anywhere near her.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NC)

Sync/PayPal Credit was an account my wife opened in XX/XX/XXXX and rarely used. I had no idea the account even existed until XX/XX/XXXX when they suddenly reported the account as seriously delinquent over 120 days and reported it late for the previous 4 months on my credit report. At the time I was in the desert on a military training exercise. As soon as the exercise ended in XX/XX/XXXX, I immediately paid the balance, after speaking with a customer service representative who told me they would take it off my credit report once I paid. Not only did they not take it off my report, they have now reported it 120 days late for XX/XX/XXXX as well, after the account was closed. This account was paid and closed at the beginning of XX/XX/XXXX. Judging from the dozens of recent entries at XXXX XXXX XXXX, many others have the same issue with Sync/PPC. I see that CFPB beat them in court in XX/XX/XXXX for similar issues. 

Additionally, Sync/PPC did not attempt to contact me in regards to the debt.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2020-01-18
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-09-21
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. (CA)

I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC (TN)

Company filed a garnishment on XX/XX/2020 After my complaint was closed by Harpeth Financial & XXXX XXXX XXXX closed the case on XX/XX/2020 with the Consumer Financial Protection Bureau. I made an over payment for XXXX On XX/XX/2020 for court fees.I am owed a refund of XXXX. I am not sure why this company has decided to come back when debt was paid off on XX/XX/2020. I verified with a representative from Advance Financial ( Harpeth Financial on XX/XX/2020 court cost was only XXXX in their system.. The extra XXXX paid to the courts covered the XXXX which left a refund balance of XXXX. XXXX XXXX XXXX ( Harpeth Financial are violating The Fair Debt Collection Act.. in short A debt collector cant legally say I owe more.. I have a complaint number in the system about collecting excessive fees with this company. It has been 7 months since this account was closed on XX/XX/2020.