davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for  VALIDATION  was online and the results came back as " verified ''. When I called in  XXXX    XXXX    2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 di sputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE  MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely spe ak English an d I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it  is prevented me from obtaining a mortgage.
Consumer complaint received 2017-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I had sent {$65.00} on  XXXX   XXXX     2017  to  XXXX . When the beneficiary went to pick up the money they had told her that the order of her name did not match the order they had and she could not collect the money. When I found out of the problem I wen t to Wells Fargo we re I had sent the money from on the XXXX , XXXX , and the  XXXX  of  XXXX   2017  and every time I went they told me they could not do anything and this is not the first time this has happened.I would like to get this problem fixed since the money is really needed by the beneficiaries.
Consumer complaint received 2017-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

Purchased home  XXXX / XXXX / XXXX  Escrow - {$490.00} monthly payment  XXXX  Escrow Annual amount analysis Escrow - {$490.00} Monthly  XXXX  Escrow Annual amount analysis Escrow - {$540.00} Amount that is being pulled on monthly statement {$600.00} Misappropriations of escrow transactions TILA Z Regs.     This increase for  XXXX  escrow was not calculated correctly or appropriately. They are miscalculating amount needed to pull for all monies due. There is no disclosure agreements of increased amounts. I will be disputing the amount of tax increase as well. Lender can not arbitrarily increase and pull escrow monies.     I called several times and wrote a letter to resolve this matter with no resolution. Their calculations are way off. I will agree to a mutual increase because of the tax increase however, the increase they are pulling is without agreement is out of reach and they are pulling more than they notified me of.     Your attention to this matter is going to be important as there will be a filing of a law suit complaint if there is no mutual agreement in amounts  and TILA Reg Z prot ections have been broken.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  90 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-05-24
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 credit Ca rd at Chase and got declined. I have a credit score  above  XXXX  and was told that I had opened too many credit cards. I asked if that was their policy "  XXXX  at lending '' stated that it was CHASE policy and there was nothing I could do about it. I asked for a copy of the policy or if she can tell what the policy was. In essence I wanted to know how  many ( a number ) credit card s were too many. She stated that she could not disclose that. I mentioned that I needed to know so that I do not go through this problem ever again. I asked if this was an industry wide thing or just a CHASE thing, again she stated that she could not disclose that either. For a publicly traded company all policies when it relates to consumers and their credit should be disclosed. If I had been told that if you open " too many credit cards '' you will be declined i Would not have applied. It is imperative to know how many is too many as a decline shows as a derogatory on y our credit score affec ting my ability to get better terms with creditors.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Credit Corporation (CA)

I received notification on  XXXX / XXXX / XXXX  from  XXXX  Identity Monitoring services that an account had been opened w/ Avant Credit under my SSN and maiden name. I received notification fro m Avant shortly after confirming the credit application had been processed. I promptly contacted Avant Credit and al erted them to the fraud. They requested that I complete a Victim 's Complaint & Affidavit form at their request which I provided to them along with a copy of the police report I obtained at their request on  XXXX / XXXX / XXXX . I also contacted the (  XXXX   )  credit bureaus to report the fraud and provide copies of the affidavit and police report. I continued to receive collection notices from Avant during the period of  XXXX   XXXX   XXXX . I contacted Avant 's compliance department multiple times and provided them with a second copy of the affidavit and police report on  XXXX / XXXX / XXXX  and requested again that they close the account and notify the credit bureaus. I received an email from Avant on  XXXX / XXXX / XXXX  confirming receipt of all documents and stating they would contact  XXXX . I responded on  XXXX / XXXX / XXXX  alerting them to the fact that the delinquent account was shown on my   XXXX   XXXX   XXXX   reports as well and that I expected them to remedy the situation w/ all  XXXX  credit bureaus. I ran my   XXXX   credit report today (  XXXX / XXXX / XXXX  ) and the account is still showing as open and delinquent so I contacted Avant yet again to ask them to close the account on their end and notify   XXXX   as I requested on  XXXX / XXXX / XXXX . Customer s ervice representatives at Avant continue to refuse to allow me to speak w/ anyone in the Compliance department or provide me with any sort of documentation confirming that they 've actually closed the account and notified the credit bureaus. Avant 's identity verification process is extremely sloppy which is why this fraud was able to occur in the first place and has been extremely unhelpful in resolving this issue despite all the documentation I 've provided them ( including a police report ).
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agen cy, Especially   XXXX   and  Experian,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I  am a  XXXX  and did a job for an insurance company where I had to invest my money on materials and labor. The insurance agency has a 30-45 day pay time frame which was explained to me after the fact. Well I have fallen behind on my payments to Conns here in Texas. Granted I have been a loyal costumer for years. But they have been calling me 16-23 tim es  a day for 2 we eks now. For a payment of  XXXX  $ I have repeatedly asked for more time until I finally had to talk to  a manager. I was shocked at the level of profecional ethic this rude man had. He was rude to the point where I hung up  on him and the calls just got worse. Now theyre blowing my phone up more and more with each passing day. As soon as I get this check, they will be the first people I pay off. I was trying to build credit by purchasing a few items from their store but that was a big mistake. Thank you for your assistance and  XXXX   XXXX .
Consumer complaint received 2017-05-20
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. (KS)

I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit repor ting hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Since XXXX 2015 I have been trying to get my loan discharged from Navient. I am one of the XXXX  students that qualify for a discharge. I have sent all the necessary paperwork to both the DOE and Navient and as of today, I have no answer from either of them. DOE tell me that it 's Navient 's problem and Navient tells me that I need to contact DOE. I understand that even if I get the discharge that I 'm still responsible for the interest that accumulates but how much interest will I end up with if they do nothing but add interest to my loan that they are making no effort to discharge? I just want to get this settled, all my friends that attended XXXX have all had their loans discharged but me. I have this 53k+ loan it 's put a toll on my family and life, we are unable to move due to my credit. Can you please help me?
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX  The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.
Consumer complaint received 2017-05-20
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. (GA)

Georgia Departmen t of Revenue had  a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my TransUnion or  XXXX  credit reports.
Consumer complaint received 2017-05-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On   XX/XX/XXXX   at  XXXX  a tow truck driver and another individual went to a work site stating he was repossessing a  XXXX    XXXX   XXXX   in the presence of third parties for Credit Acceptance Corporation  .   Credit Acceptance Corp  was contacted and begin interrogating me, and request I make a payment immediately towards an account fraudulently produced by  XXXX   XXXX   XXXX  in the amount of {$13000.00} on   XX/XX/XXXX   in which it has severely damaged my credit. Joint account owner filed a fraud complaint with his bank and Credit Acceptance Corporation referencing unauthorized withdrawals  made two  weeks following a sale that was null and void with no response from  C  redit Acceptance Corp.  Sales and delivery date was  XX/XX/XXXX  ; joint account holder was not present my daughter was. I 've been trying to get the creditor to investigate the matter for resolution since  XX/XX/XXXX . Joint account holder claim no liability in the error and abandoned all responsibilities. Complaint was sent to MD Attorney Gene ral office pertaini ng to GAP insurance that was not approved by me for purchase through   XXXX   XXXX   company ; monies refunded from insurance   XXXX     XXXX   XXXX   was not paid as agreed through mediation. joint account holder of loan has no interest in the title for   XXXX    XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  stated on  XX/XX/XXXX  joint account holder mva record was flagged and license revoked and my income will not qualify for financing alone.     Credit Acceptance Corporation business practices and collection by and between their affilated dealerships is hostile and deceptive. I am represented by legal counsel in another matter left unresolved by Credit Acceptance Corporation involving another vehicle sold to me under fraudulent terms and conditions regardless of the retail sales contract they provide to the dealerships that use their creative financing methods in Maryland. Dealership and credit acceptance corporation knows that i am a real estate professional.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (FL)

I applied for a Canival Cruise Master Card to go on a Cruise. I Got apporoved but I never got my Credit card iin the mail. I had to go out of the country for XXXX. I has a friend paying my bills. She thought the debt was mine so see was paying the payment. When I came back I found out my debt on that card was up to over {$2000.00}. I should of only owed at little over {$600.00}. Never got a card all except the one is not mine.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Every month captial one keeps charging me  XXXX  late fee because my dates are not on time. My min. payment is  XXXX . I called and asked whats the problem I closed the account and told them I 'm tired of fees that are more than min. I pay any where form  XXXX  to  XXXX  payments month ranging from $  XXXX  {$20.00} week so I pay more than min every month so they say the problem is I 'm  XXXX  due because the late fees keep adding up they have charged me almost {$200.00} late fees and have n't used the card in last 2 months so my balance just keeps going up. So this is my thought your saying i could pay consistent every month but because I do n't pay on time this company can just keep charging. So I did math lets say I keep paying the same amount every month that means every year they add {$420.00} to my account and If I never use the card they can do this. This is not right this is n't justice this is n't looking out for customers, but they could continue to profit for the next 2 years if I'am going to let them. The system does n't work it set up for the rich to profit off the poor to keep people down.
Consumer complaint received 2017-05-21
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. (GA)

To who m it may co ncern, I mailed a Multipl e Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If y ou believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complain t due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX    2017   to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute    XXXX   XXXX  2017     in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified . It has now been 60plus days  an d 3  disputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE MINU TE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it i s prevented me from obtaining a mortgage.