davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with XXXX XXXX XXXX XXXX XXXX ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to XXXX XXXX XXXX ( XXXX ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have an account on my credit report named, XXXX, and it has been reporting inaccurate information for the last couple years, balance and status to be more specific. Shows needs attention and that I '' m currently past due. I've disputed several times with Equifax and nothing has been addressed. Latest letter was sent on XXXX and the letter addressed the bureaus obligation to complete within 30 days and to notify me, along with other issues present.This account is hurting my credit and I want to get it removed from my report based on the reporting violations I've read. Please see image below to view these glaring inaccuracies. Thank you
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother. 

XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter. 

XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees. 

The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX. 

I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters. 

XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt. 

I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt. 

XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt. 

XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt. 

XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (FL)

There is an address that does not belong to me, I have never been to or lived there. 
Please remove from my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARIZONA XXXX
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC (NM)

Around XX/XX/XXXX, I attended a webinar presentation for the company. They advertised as a travel site with deep discounts. Total sales price was around {$2000.00} and was to be paid monthly. After presentation I spoke with a salesperson, and while hesitant I did sign up for the product. I was told that I was able to cancel within 5 days if I changed my mind. After doing some research, I decided I did not want this product. The next day I called and requested a cancellation. I was told that I would need to write a letter requesting cancellation. That same day I did send out a letter requesting cancellation. 

Around XX/XX/XXXX, I realized that a collection account was reporting for nearly {$3000.00}. The company was Monterey Financial. I learned they were trying to collect this debt for XXXX XXXX. I called and explained that I was under the impression this was cancelled and I did not owe anything. I have been getting the run around since then about this debt. Today I spoke with a representative from Monterey and was told that unless XXXX XXXX would be willing to send me proof that I sent the cancellation letter, there was nothing that could be done and the debt is valid. I was also told that if I paid an amount of {$3000.00} in full, they would remove any existence from my credit report, but if I opted for a settlement or monthly payments, it would still report negative. 

I explained that all I had was a copy of the letter that I had sent, but did not send it certified mail or had any proof that it was received or delivered. ( I was told I only had to send the letter via USPS- not that it should have been certified ). 

I have never used the services that company offers and I notified that company of cancellation not even 24 hours after. 

This debt is not valid and needs to be removed from my credit repot. Both companies, Monterey and XXXX XXXX, need to be investigated for their misleading and fraudulent business practices. As well as what I feel are violations of debt collection practices.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: STATE FARM BANK, FSB (CA)

Was signing up for renter 's insurance with State Farm and she mentioned a reward points program, but never mentioned signing up for a credit card. She automatically ran a year 's worth or renter 's insurance to the new credit card. I just wanted to pay with the XXXX card I already have, never wanted to sign up for another card.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Hello, On or around XX/XX/18, I received a communication from MCM related to a debt that I do not own. XXXX XXXX XXXX XXXX, placed items on my credit report without first verifying and or confirming the debt belong to the correct person. With that said, from my understanding a communication is to be sent out to the alleged debt owner so they would be able to respond in an effort to resolve the issue. I received now communication from MCM related to this debt, and it was placed on my credit reports unlawfully. The issue is two fold, first the debt is not mine and second, the items were placed on my credit report, damaging my credit worthiness.
Consumer complaint received 2017-08-27
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: Bread Financial Holdings, Inc. (VA)

On this account I am listed under responsibility as the authorized user. I believe that since I am not personally responsible for this account that it should not appear on my credit report. It has a high balance compared to its credit amount which I believe effects my credit score.
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for a XXXX XXXX XXXX XXXX XXXX card through Chase bank on XXXX XXXX XXXX in order to earn the XXXX mile bonus they were offering if your spend {$3000.00} in the first 2 months possessing the card. I previously had this credit card, but was eligible for the bonus as I had not received the bonus in over 24 months. For the first time in my life I was denied credit with the the stated reason being " Too many credit cards opened in the last two years associated with you '' ( XXXX ). It is true that I go from card to card to earn these sign up offers, but my credit score is XXXX and they are just denying me because I do not carry a balance, nor do I keep the card beyond a years so I do not incur an annual fee. 

The firm did not provide me with a copy of my credit report. They did not provide a phone number or email to contact them. They simply made this decision not to honor their offer because it would cost them money that they would not get back in margin, interest, and fees. They should not be allowed to make such an offer, if they will not honor it for all potential customers whether they will be revenue generating or not to Chase. 

NB : I closed a different credit card the day prior so that I would have no net increase in credit line
Consumer complaint received 2017-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went out in XXXX XXXX ( XXXX XXXX ), California on the night of Saturday, XX/XX/XXXX beginning around XXXX PDT and stayed out until approximately XXXX PDT when the area closed ( please note this means my night technically ended on Sunday, XX/XX/XXXX ). The last charge I made that night was at XX/XX/XXXX at XX/XX/XXXX for {$44.00} - but after leaving the bar I noticed my phone and wallet were missing from my pockets. My best guess is as the venue was crowded with many people close to each other that I was pick-pocketed. I walked home ( I live nearby ) and immediately messaged my friends. First thing the following morning ( still Sunday, XX/XX/XXXX ) I went to XXXX XXXX XXXX when they opened. I called my dad from the store phone to ask him to block my stolen cards, then I spoke with a customer representative to buy a new phone because I had received an alert that XXXX XXXX XXXX had been disabled ( screenshot attached ) - so I knew it was taken as they blocked me from finding it. Once I had my new phone I immediately called Bank of America to report everything and let them know of the fraudulent activity. We went through each transaction and I noted when the fraudulent transactions began - first with a {$500.00} cash withdrawal in XXXX XXXX and then another {$300.00} cash withdrawal in the same area. There were also internal transfers made - specifically the majority of my savings account was moved to my checking account. There was then a fraudulent charge made at XXXX 's for {$1000.00}. The customer rep at BOA noted this and opened two claims. Within a few days I was granted a temporary credit for one of the claims and {$1000.00} was stored into my account. ***Please note I also made a report with the XXXX XXXX Sheriff 's department and provided this information to BOA*** Today, Saturday, XX/XX/XXXX I  received an email from BOA that they will NOT be reimbursing me for my losses and they concluded the fraudulent charges " were not made in error '' as stated in the attached letters. Also stated is the temporary credit of {$1000.00} will be reversed from my account on Monday, XX/XX/XXXX. I immediately called to challenge this decision but I was informed the department is not open until Monday. 
Please let me know if there is any more information I can provide and I will gladly do so. Thank you for your help.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.
Consumer complaint received 2017-08-28
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: ALLY FINANCIAL INC. (MD)

On XXXX XXXX, XXXX, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.
Consumer complaint received 2017-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, on XX/XX/XXXX we noticed that our Wells Fargo Bank business account had a {$2800.00} amount debited by " RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX '', which we did NOT authorized! We immediately contacted XXXX, and they admitted that this auto debit should NOT have occurred, and we should have the amount credited back to our account right away! However, we have called them everyday since ( because this is causing a significant cash flow problem for us! ), but always been told that " maybe '' in a few day! Which is NOT acceptable! As of today, Monday, XX/XX/XXXX,  the unauthorized amount still have not been credited back to our bank account, we called XXXX again, and now we were told that the credit should appear on Thursday, XX/XX/XXXX? This is totally UNACCEPTABLE! What are our legal rights? And what are XXXX 's legal obligations? For this UNAUTHORIZED bank debit ( or bank fraud? ). 1 ) If we did n't noticed this on our end, this will be buried amount all transactions ; 2 ) once XXXX admitted its mistake, they ca n't just take their time to rectify this error at their leisure! Please advise! XXXX
Consumer complaint received 2017-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had deposited {$8700.00} cash into an account at the Bank of America ( boa ). The account # is : XXXX in NY for an XXXX XXXX XXXX. But when I got back to my house and went on the computer. I found out that I sent it to the wrong person 's account. It should have been sent to XXXX XXXX. Account # : XXXX.in CA. All I want is to get my cash of {$8700.00} back to me.
I 'm sure I 'm not the only one that has done this before. I am sorry for creating the problem but there should be a way to correct this mess.
I hope you might be able to have the money sent back to me, freeze the account or put a HOLD ON it. Until this gets settled. I have tried several times to get in touch with XXXX XXXX. No answer nor any leaving of a message. His phone # : XXXX.
I would really appreciate any assistance you can give me. My Home # : XXXX
SincerelyXXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We have an existing complaint filed but they bank is now claiming they can not provide a deed in lieu as they already started legal proceedings. They told us we had to do a short sale first ( we did, they denied the offer we got ) and they continued legal proceedings through the process they said we had to do, now they claim its too late for a deed in lieu. They are the ones who cost us wasted time and now are using it as a reason to foreclose. 

We provided paperwork last time but would be happy to do so again
Consumer complaint received 2017-08-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

At first the company was called XXXX XXXX. I needed help with making payments to private loans. They would n't help me by lowering the payments. I could n't afford {$400.00} a month in payments. 

XXXX XXXX went bankrupt and Navient took over. They said I couldnt use any XXXX options or anything. I tried to explain to them in XXXX I was out of work and coouldnt make payments. They would n't work with me, I could n't afford {$660.00} a month. They kept calling my family, my friends and me to collect the money. They got my new job number and kept calling their too. I told them once again I needed help with payments but didnt offer options. 

For years they have been reporting to my credit bureau negativity. I cant buy a house or anything and I dont know what to do.
Consumer complaint received 2017-08-24
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC. (NV)

1 ) I extended/ renewed my pawn agreement with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was made to pay US {$220.00} when my annual percentage rate ( APR ) is only {$160.00}. I do n't know that there are hidden charges of {$62.00}. I was issued a new pawn agreement extending the due date to XX/XX/XXXX but no receipt was given to indicate my payment of {$220.00}. I was overcharged by almost the same amount in my 3 previous extensions. 

2 ) In the new pawn agreement issued, the description of the pledged goods ( 3 pc wedding ring set ) was changed ; it was way different from the description in the earlier pawn agreements. This may result in the release of another item the moment I redeem the property and pay my obligation in full.
Consumer complaint received 2017-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America Visa card has been compromised again! Third or fourth time in as many years. Getting tired of this old story. BoA does not identify the problem merchant, or any other cause.
Consumer complaint received 2017-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

Ditech financial continues to scam their customers. Recently, they raised my late fees from XXXX dollarsa few months ago to $ XXXX the last few months and now it is $ XXXX I just found out on their website. They have never notified me of the increasing late fees. They increase the late fees at will, in order to make you appear to be behind on a payment or not have paid a " full payment '' so that they can put the payment in unapplied funds. How high will they be allowed to randomly increase late fees? It used to be that a late fee was part of the contract I signed with my mortgage company and enver increased. With Ditech though, they will increase the late fee significantly whenever they feel like it. They have harassed me with things of this nature ever since they took over my loan from XXXX XXXX XXXX. They are harassing me now because I filed bankruptcy and they want me to do a modification. I will not do a modification. I gave them one chance for that and they played games by refusing to send me a form I needed to fill out. They also can know that I will not do a modification that is more than 30 years and will not lower my interest rate. They are wasting paper. I do not believe they should be able to increase a late fee randomly like that without notifying me in writing. Nor should they be able to increase the late fee to make a payment amount incorrect. Also, they purposely scam people on their statements being inaccurate. Currently, they are unlawfully holding $ XXXX in unapplied funds because I was unaware my late fee went from $ XXXX to $ XXXX. Still, the $ XXXX is more than the $ XXXX and should be released. They constantly rip me off on my mortgage interest deduction by holding finds in unapplied funds, unlawfully. Please hold them accountable for violating the law. Also, they should not be allowed to raise late fees on a monthly basis. This is XXXX  and I hope Ditech company XXXX and XXXX XXXX XXXX XXXX XXXX where they belong. XXXX, Cheats, frauds. Also, I am supposed to speak with reps in the bankruptcy department. They are never there, nor do they ever return phone calls. I do not believe these reps are actual people. Many times their voice mailboxes do not work. I have not once ever received a call back from these people that I am REQUIRED to talk to. I highly suggest they get their XXXX in their office and on the phone if they are not fake identities.