davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc. (PA)

Representatives saying that they are from Tower Loan at XXXX have called me repeatedly, saying that I have outstanding debt with them. They ask for someone with my name but apparently a different address. When I tell them that they have the wrong person, they insist that they have the right number and ask me for personal information like my wifes name. I have asked them several times to check the number and stop calling me, but they become insistent. Most recently called at approximately XXXX XXXX on XX/XX/year>. I need them to correct their information, stop calling me and prevent them from taking any further action which may damage my credit profile or financial security.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2018 American Express APPROVED me for a Platinum Card with a {$550.00} annual fee. I applied for an American Express Blue Cash Card on XX/XX/2018 with NO annual fee and they declined me. Even though American Express used the same exact credit report with the same exact information to use in the XX/XX/2018 application as they did on the XX/XX/2018 application. The only reason American Express approved me for the Platinum card is because they know I will pay the annual fee. I have had eight American Express cards in the past few years, all in good standing, ( I closed them ). In American Expresses recent responses to my CFPB complaints they have been untruthful. The fact that they used the same credit report to approve me for a card with a {$550.00} annual fee and declined me for a card with No annual fee. This action shows that they are just trying to extort more fees out of me. The reason in the prior complaint I asked them to waive the annual fee is because they have shorted me XXXX membership points. They have done nothing to rectify this. American Express is a big company, and it is easy to overlook unethical practices. XXXX XXXX thought they could get away with it, but they got caught. I am hoping American Express will as well. They are very unethical with extremely terrible customer service. The Platinum Card they approved me for on XX/XX/2018 has since been downgraded to a Gold card with a {$250.00} annual fee. My credit & scores are actually a lot better since XX/XX/2018. My XXXX XXXX score ( XXXX ) .. XXXX XXXX score XXXX. XXXX Score fico XXXX is ( XXXX ) which American Express uses. XXXX ( XXXX ). American Express needs to be seriously looked into for ethic violations. Even though American Express used the exact same credit report to Approve me for an annual fee card & declined me for another. Maybe American Express is treating me unfairly because of my ethnicity. I can not think of any other reason other than extortion why they would treat me unfairly.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year>, I attempted to log in to the Wells Fargo website from my laptop and was unable to do so. I received a message for a security code to be entered with code from my mobile device. I entered the code and was still unable to get access to my online banking. I then attempted to login on my phone and was able to access my accounts and noticed a large amount of money was missing from my business account. I then called the fraud department for Wells Fargo to report that I did not authorize the " pending '' wire transfer of {$18000.00} from my account ( call occurred 5 minutes after the incident ). The representative proceeded to work on my claim request and start a recall. I told him I did not know the intended receiver of the wire transfer and was unaware that the wire was being sent to XXXX XXXX XXXXXXXX. I received a call on Tuesday, XX/XX/year>, at XXXX PM, stating that my claim was being processed and if I had any questions or concerns or would like to add any additional information to the claim, to call. I returned this call Tuesday, XX/XX/year>, at XXXX PM, and was told my claim had been denied without opportunity to provide any additional documentation. During the follow up call at XXXX PM, the Wells Fargo representative did say the claim was denied due to the wire transfer being initiated from a known mobile device, but none of that information is mentioned in the denial letter that I received or documentation to show how this determination was made. I have not been able to speak with or have received a return call from anyone that was involved with the investigation of my fraud claim. There is only the one missed follow up call from Wells Fargo on Tuesday, XX/XX/year>, at XXXX PM. I have only spoken with representatives that have answered my calls and made notes to send over for review. There also has been on documentation or information provided to show investigation of the inconsistency in the transaction based on the other activities of my account. This fraudulent wire transfer has been reported to the police for further investigation. On Tuesday, XX/XX/year>, I visited my neighborhood Wells Fargo branch with supporting documentation including the case number for my police report and submitted a appeal to my initial claim. On XX/XX/year>, I received an email that my appeal was also denied with no further information to support this decision. I am now awaiting findings from the police investigation to see if I can get my funds returned.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. 
I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. 
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

XXXX XXXX
Consumer complaint received 2020-09-21
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. (GA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-09-21
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. (FL)

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have signed up in XXXX XXXX since long time to check my credit score regularly which gives me report from XXXX  and Equifax. I am making all payments on time and my score is consistent. Suddenly, on XXXX XX/XX/2020, I saw there is drop of 6 points in both XXXX and Equifax, and further checked there is a note that Remarks had been added to one of your account if you find something wrong you may contact credit reporting bureau. Then I called Equifax but they are very unprofessional and keep me waiting for 15-20 Minutes and hung the call. And as far as XXXX concern they are worst than Equifax and they did not connected my call and when connected it hung up afterwards. So, I want to get it updated and if something wrongly done then it needs to be fixed right away.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (WI)

I had my mortgage with Chemical Bank. This past XXXX I was informed that TCF Bank merged with or acquired Chemical Bank and my mortgage was to be paid to them. I received my XXXX Loan Statement from TCF Bank. I made my loan payment online like I always did and received a confirmation from TCF. That was XXXX XXXX. A week later I received a notice from TCF Bank that my payment ( automatic transfer ) was returned because because they were unable to locate my account even though the loan number was correct. I called immediately and was on hold for over an hour never able to reach anyone. I made numerous attempts to call them over the next couple of days just to experience the same wait time. On XXXX XXXX I went on their website to pay again. Once again I got a confirmation. I check my bank account from which the payment will be processed but there is no indication that funds were withdrawn by TCF Bank. I have made numerous attempts to get through to TCF Bank only to be put on hold for way, way, way to long. There is no explanation on their website or by letter that they have problems. This is no way to treat a customer. As soon as I am able I will be moving my mortgage to another company. Very terrible service!!!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from them.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Centron Services (MT)

This situation involves a collection action initiated by XXXX XXXX XXXX in XXXX XXXX, Montana. Prior to referring the matter for collection, we received no bills, calls or correspondence with respect to any amounts due. Once contacted by Credit Systems, a XXXX of Centron Services , Inc, a XXXX  XXXX, I contacted XXXX directly and was advised that they had no record of any debt. I advised Credit Systems at that point in time that I disputed the debt in its entirety and requested validation. I heard nothing for some time. Approximately 6 months later, I received another demand for payment from Credit Systems. I was advised at that point in time that adverse action had already been taken against my credit. On XX/XX/2020, I submitted a Cease & Desist Letter/Demand for Validation. To date, I have received no validation of debt. Credit Systems acknowledges receiving the Cease & Desist letter on XX/XX/2020. Despite not receiving any validation from XXXX, they have continued to make collection efforts on the account and continue to report the matter adversely to my credit report. 

I have attached a copy of the Cease & Desist letter dated XX/XX/2020.
Consumer complaint received 2020-09-21
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. (GA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several online disputes have been sent to Transunion directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the dark web. Yet, Transunion has repeatedly refused to remove the once deleted XXXX XXXX XXXX account from my credit report. Additionally, they reported that the fraudulent account has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have this account removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

I have received regularly letters from LVNV about a debt that I do not recognize and it is hurting my credit report. The letters indicate it is already past the statute of limitations and yet it still shows and hurts my report. They never made me aware of the fact that I could dispute this debt and have it removed from my report.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Hi! I do not need help solving an ongoing issue personally but feel this needs to be reported for benefit of other consumers. This lender participates in some misleading/deceptive practices, and in my interaction with them had the following occur : 1. Attempted to compel me to pay an " advance application fee '' before agreeing to terms of the loan. The fee was ( intentionally? ) mislabeled as an " Appraisal Fee '' in the process menu but the document itself and corresponding content made it clear it was an advance application junk fee. 

2. I was sent a preliminary estimate but the terms were subject to change at any time. The lender made no effort to clarify whether or not the rate and terms were locked or if they would change after paying the advance fee. 

3. The company 's agent made no effort to explain the fundamental mortgage loan aspects, such as changing rates, rate locks, closing cost overview etc before asking for the advance fee. 

4. Hides fees so that in effect the actual terms are higher than those advertised online. 

5. The company did not respond to me when I reported these concerns via phone or email. I suspect they are well aware of the nature of their process. 

6. I see this company has a previous judgement for similar behavior and suspect they are straddling the lines of legality at best and have likely crossed them several times advertently or inadvertently.
Consumer complaint received 2018-12-27
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. (CA)

XX/XX/XXXX - Mailed certified Letter to Equifax XX/XX/XXXX- Letter received by Equifax . See attached. 
USPS Tracking number XXXX XX/XX/XXXX- My file was closed with no investigation into one of the items that I had sent in to them. See attached. 
XX/XX/XXXX approx. I called in to find out why they did not look at the item in question- XXXX XXXX XXXX Acct. The rep didn't have a solution and told me sorry.
Consumer complaint received 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I have had this Citibank XXXXXXXX XXXX for more than 10 years, I was advised by their staff to pay with my debit card calling their telephone number to get quicker credit, as I was paying the card every month, before the due date, as they had refused to increase my credit limit, which was lowered for no reason during the pandemic. 
I called in three occasions and they system asks if you want to use the same method as previous time and later it asked if you are paying the same amount as last time. 
I saw that Citibank reversed the credit on my account three times during the month and I received a couple of letter saying that the payments had not gone through to check with my bank, which I did, XXXX indicated that they had not refused any payments and there was no record of CITIBANK trying to process it. I called Citibank twice and no one told me what was the problem, the payment was processed and the account was not late or delinquent, these were advanced payments. 
When I called no one told me what the problem was but to contact XXXX  to fix the issue, which XXXX never received. 
One day, I log into the account to find that it was closed without notice, after so many years, with a XXXX score of XXXX, no delinquent payments. 
As you can see on the attachments I promptly reacted and made payments that for some unknown reason CITIBANK ; s system did not process correctly how it has been processing them for more than 4 months. It is unfair. 
I feel deceived, discriminated for whatever reason, I client who was charging over $ XXXX in the last 18 months and paying promptly, maybe they did not like that I complained about a credit card promotion they made and they never credited the XXXX XXXX loyalty points they promised. 
In any case, the big business stepping the small minority business
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.