davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
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 — Investigation took more than 30 days
Company: LEXISNEXIS (IN)

I sent a dispute letter to LexisNexis on XX/XX/2019 regarding a US Bankruptcy Court IL of XXXX account thats reporting on my credit file. To this date I havent received a response from the company. I want the account removed from my credit file because its been more than 30 days.
Consumer complaint received 2019-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (AR)

I was forced to receive medical treatment from XXXX XXXX   on XX/XX/2019. They asked for my insurance and told me I wouldn't be charged.XXXX XXXX XXXX filed a claim for XXXX  with my insurance, and my insurance according to my explanation of benefits states that I don't owe anything. Despite that I kept receiving bills from XXXX XXXX XXXX   who then sent the debt to Bay Area Credit Service on XX/XX/2019.I sent a copy of my EoB to Bay Area Credit Service, but they ignored that and kept sending me bills for higher and higher amounts. I have also attempted to explain this on the phone, but they insist that my insurance rejected the claim, and tried to bully me into paying the amount right then.
Consumer complaint received 2019-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALCHRO INC. (FL)

the debt is outdated its more than 7 years old. i made the dept collection agency aware of this and was told that they were still going to enforce the debt and attempt to collect. I have disputed this before and they continue to verify it as valid and continue to report it to the credit reporting agency as such and told me im better off just paying them
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I was sent a new debit card from Chase because the card I had in my possession had been compromised. I received the card a few days later, but had not utilized it yet because I was heading out of town. On XX/XX/XXXX I stopped at the gas station to use my debit card only to find out it was not working. When I called Chase they stated that my account had been closed, as of XX/XX/XXXX, and that they had sent me notification of this. I had not received any notification, and I still had money in my account. When I asked why they had not notified me prior to closing it they assured me they did. When I told them I had not received any correspondence in the mail, they stated that sometimes their mailing system could lag. When I inquired about the reason as to why my account had been closed, they could not provide one.  They simply stated that my account had been reviewed and they decided to no longer do business with me. They never sent me the rest of the money that was in my account as they had sent it to the wrong address. I am still owed an explanation as to why my account was closed and my money that was within the account at the time of closing.
Consumer complaint received 2019-12-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.
Consumer complaint received 2019-12-11
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: Early Warning Services, LLC (GA)

XXXX failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from XXXX XXXX XXXX was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from XXXX. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!
Consumer complaint received 2019-12-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Loan # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I was notified about a foreclosure/auction close to two years ago and the door locks on this unoccupied property have been changed at that time. I moved to another state 4 years ago. Now to my surprise I heard from a realtor who tells me there was no foreclosure. How could that be? I thought all this time there was a foreclosure and the home was sold at an auction. I also saw that the home was on the market for sale but I never put it up for sale at that time. No notification from Wells Fargo or the attorneys they assigned ( XXXX XXXX XXXX ). The bank seems to have been conveniently charging interest on this account that apparently never reached a foreclosure and now I can never pay off the balance they created. I also have doubts I can ever convince the investor to accept a short sale ( so far they've denied it when I had received an offer ). This entire situation seems to be a scam as I've received no notifications from either Wells Fargo or their Lawyers and I think they are purposefully delaying foreclosing on the home so they can charge me additional interest. Could they also be doing this to other people with a similar situation? I hope you can help. 

Thank you. 
XXXX XXXX
Consumer complaint received 2019-08-16
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. (WY)

XXXX XXXXSs#XXXXXXXX XXXX XXXX XXXX  Wyoming To whom it may concern: I have recently obtained a copy of my credit file with your company, (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and I note that there is negative information being reported.Please validate this information with (Victoria’s Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX) and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611(a)(1)(A), and I am keeping careful records of your actions, including your Method Of Verification. I do not consent to XXXX or any other means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action of against your company seeking $XXXX per violation for 1) defamation, 2) negligent enablement of Identity Fraud, and 3) violations of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (NY)

I placed an online order for a Tesla car. 

Reading through the website. They mentioned that they have {$250.00} non refundable fees, which I agreed to accept and wanted Tesla to finance the car. Their system would not let you continue with an order without first paying the {$250.00} then you can apply for financing. 

The website did not clearly indicate that approval for financing is not related to the {$250.00} non refundable deposit. I was denied credit and now i have choice of pay for the car cash or lose my {$250.00} deposit When I contacted Tesla, they stated that this is in the " agreement '' i clicked on to accept, which is really the fine print that no one reads, also the application designed to force you to pay the deposit before you get a decision on the financing. You can not even see your financing options or conditions before you pay that deposit. I think this might be legal by adding the fine print that no one reads but its unethical and a way to rob customers of a deposit.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CT)

I filed a dispute using XXXX XXXX with sprint/ convergent outsourcing over 30 days ago with no response. I asked for original documents and valid dates and i have gotten nothing. I spoke to 2 different ppl today 1 could not find this debt using my social security number. Then hangs up I call back second time manager comes on and poof debt is found and according to them they have now located the information and have proof but never gave it to me. I would like to get this removed off my report. they did not fulfill my request in a timely manner nor have they provided any proof via email that they have on file.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (SC)

On XX/XX/XXXX I opened an account with XXXX  ( security company ). I was told that the equipment would be financed through a third party company Fortiva Credit with 0 % interest. Everything was fine and going along with what I agreed to which was {$26.00} monthly payment that was auto drafted out of my account monthly. On XX/XX/XXXX, I received an email that said " congratulations you've earned an account upgrade. '' I did not think anything of it, I figured they just moved me to a different account type. On XX/XX/XXXX, I received the card in the mail along with the disclosures and to my surprise this account now charges 29.99 %. This is not something I agreed to or I signed up for. I was switched to this account without my knowledge. The amount that was transferred over to this account is {$690.00}. I agree this is a balance I owe, but I am not an agreement with paying interest on the money. I want to be switched back to my retail account and finish paying my monthly balance. 

My contact information : XXXX XXXX -- XXXX -- XXXX
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (NY)

Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to XXXX, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to XXXX and Equifax, which violates Section 623 ( a ) ( XXXX ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to XXXX, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-16
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. (GA)

I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.
Consumer complaint received 2019-08-16
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. (CO)

XXXX XXXX is reporting incorrectly to XXXX ; XXXX   and Transunion the verbiage on the XXXX XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

Statebridge acquired servicing of our loan 14 months ago in XX/XX/XXXX.  We have consistently made clearly identified principal curtailment payments each month.  However, Statebridge has misapplied 8 out of the 14 principal curtailment payments.  Our payments have either been placed in an "unapplied funds" account or split between future payments not yet due and a reduced amount to principal.XXXX XXXX, Collections Lead, became my contact in XX/XX/XXXX, after the first misapplication was not resolved with numerous phone calls and emails to Statebridge.  XXXX  was initially non-responsive but eventually told me- on XX/XX/XXXX - Statebridge had 60 days to properly board and verify my account.  Despite this alleged 60 day window, my payments for XXXX, XXXX, XXXX and XXXX, XXXX were all misapplied, requiring me to constantly email and make phone calls to demand the funds be properly applied.Our payments for XXXX  and XXXX, XXXX  and XXXX through XXXX, XXXX were properly applied without issue. But then our XX/XX/XXXX payment was again misapplied.   XXXX XXXX became unresponsive to my emails.  On XX/XX/XXXX, I received an email from XXXX XXXX, AVP of Servicing, who assured me he would monitor the account and "ensure accuracy in the postings."  Despite this assurance, our XXXX, XXXX, XXXX  and XXXX, XXXX principal payments have been misapplied.  After numerous emails and phone calls, all but the XX/XX/XXXX payment were fixed.  The XX/XX/XXXX payment remains in an "unapplied funds" account, resulting in Statebridge accruing unearned interest.  XXXX XXXX is now being unresponsive.Moreover, despite having no escrow account, Statebridge made a disbursement for voluntary insurance and our account now shows an "escrow shortage".  Attempts to have this fixed have been met with silence.Statebridge has shown a distinct pattern of misapplying funds in both the loan account and in an imaginary escrow account.  I need them to cease and desist these practices and honor the terms of our contract.  The extensive email chain of all the time taken to have our account properly serviced is beyond the pale.  The is no way to treat a disabled veteran and a senior citizen.Docs attached:  (1)  Loan history; (2) Letter re not collecting insurance funds; (3) Escrow analysis showing -0- escrow; (4) email chain over 14 months.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF THE WEST (WI)

XX/XX/2019 : Received a preapproved credit card offer in the mail. Upon going online to accept the card, I was asked to enter some 'identifying ' information. Upon submission, I was told I'd hear back in 7-10 days for the status of my submission. I called customer service at the toll free number, they told me they only do a soft CB pull and then do a hard pull after to see if I'm approved! IT IS MY UNDERSTANDING YOU CAN NOT SEND A PRE-APPROVAL AND THEN WORK THE CUSTOMER AS AN APPLICATION SUBJECT TO APPROVAL! BAIT AND SWITCH.
Consumer complaint received 2019-08-16
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and XXXX there is nothing negative in the payment history reporting, in Experian why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt