davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
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: AMERICAN EXPRESS COMPANY (NJ)

In XX/XX/XXXX & XX/XX/2018 I requested removal of two American Express accounts which I was an authorized user only and not a responsible party. The accounts listing on both XXXX & XXXX were removed ; however, despite 2 requests, XXXX denies my request.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (NM)

XXXX XXXX XXXX represented by Machol & Johannes, LLLP XXXX XXXX XXXX XXXX XXXX, nm XXXX XXXX contact person XXXX XXXX XXXX filed a lawsuit and a writ of garnishment XX/XX/2018 claiming to have a default judgment against me for an amount of {$2300.00}. I contacted these people numerous times via us mail with return receipts, faxes, telephone calls, emails to verify the above mentioned debt and where I agreed to pay this. Still no debt validation. 

However, they decided to file a lawsuit without notifying me or having me properly served. I do not hear anything else from them, then I receive a writ of garnishment.
Consumer complaint received 2018-07-25
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: Experian Information Solutions Inc. (TX)

Good Morning, I take pride in my credit and I value it very much. I have been trying to contact Experian and XXXX  with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (LA)

I owe {$97000.00} on my Mortgage which was held by XXXX XXXX   XXXX XXXX  which was send to XXXX XXXX XXXX. And now is held by Selene Finance in XXXX, Texas. I requested a loss mitigation packet through Selene Finance which has fallen on death ears. I sent my XX/XX/2018 payment to XXXX XXXX XXXX under a loss mitigation agreement which passed along to Selene Finance which were return to me around XX/XX/2018. I wishing to maintain this property and am trying to pay my payments.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I recently opened up a Chase account approximately 2 weeks ago in New York. I have been having issues with Citibank for years now and I decided to make the switch. I really liked Chase and the accessibility they had all over the world. However, to my dismay, I received a letter in the mail today stating after careful consideration, we have determined that we can no longer support your banking account ( s ) and will be closing it on XX/XX/2018. Im not sure what happened. When they first open a bank account, they go through XXXX XXXX and they check your credit, etc. All of that was clear and my credit was 780+. Im XXXX XXXX in the military and this is going to be my primary bank account and has been routed through my military profile already. Im not sure what I may have done or why they are closing this account but I really need this account as I closed down my other one already. Its really not fair as I have great credit and a high security clearance in the military plus I was in the process putting tens of thousands in the bank. I have an auto loan with Chase whom Ive paid on time perfectly for nearly 4 years now. Honestly, what is going on? I went into my branch today and Chase refuses to release any information to them and the people on their phone lines at XXXX are so rude and disrespectful. They said sorry, you can never open an account with Chase again. If that is true, and if that is how Chase Americas primarily bank decides to treat XXXX XXXX military, then Im going to file a lawsuit in small claims court. Because its a blind-eye discriminatory policy which theyre not disclosing and it severely impacts peoples finances and family health. I serve this country, and now I have to fight to keep money safe into a bank account? Are you serious? Please fix this Chase.
Consumer complaint received 2018-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I sent a written request to Portfolio Recovert on XX/XX/2018 requesting VALIDATION of a debt that is listed on my credit file. Validation was not received pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). In fact the company refused to investigate the  matter claiming that the issue was resolved. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of defamation of character.
Consumer complaint received 2018-07-24
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 wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MA)

On XX/XX/18, I attempted to apply for a Discover IT card through a link on XXXX. I had just recently moved and was unable to verify my new address with a bank statement at the time of application. I immediately attempted to rectify this by opening a local bank account ; unfortunately I was informed that I wouldn't be able to get a bank statement from them for around two weeks. 

Concerned, I called Discover 's customer service number and was informed in no uncertain terms that they would put a hold on my application for 30 days so that I'd have time to receive that bank statement. I was also informed that I had been pre-approved for the card pending that change of address confirmation. Upon finally receiving the bank statement and attempting to resume the application, I was informed that the application had already been denied, well before that promised 30-day window was up. The customer service rep I spoke to ( XX/XX/18 ) promised to have a supervisor reach out to me. No call was received. 

When I called in again, ( XX/XX/18, spoke to a supervisor named XXXX based in XXXX XXXX XXXX ) I was told that another hard credit pull would be necessary to restart the application, a completely unsatisfactory resolution. I do not believe my credit should suffer two hits due to the incompetency of Discover 's customer service team. I am incensed that they refuse to own the mistakes of their employees, and I do not believe they should be able to misrepresent their services in a favorable light when it suits them to attract customers, but then completely deny all accountability when their false promises fall through.
Consumer complaint received 2023-04-17
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. (NJ)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XX/XX/XXXX, XX/XX/XXXX, and again in XXXX of XXXX, a group of scammers were repeatedly able to use my SSN to create a Bank of America Advantage SafeBalance Banking Account. 

These accounts were created with the purpose of defrauding the bank, while making me liable for their actions. 

Bank of America repeatedly ignored a freeze with XXXX, and my repeated calls to them to not allow any new accounts to be opened for my SSN. Each time this happened, they would simply close the account. When the scammers would make a new account, Bank of America would always approve it without any extra verification, in spite of all my efforts in talking to them, credit bureau alerts, and a XXXX freeze in place. 

This is pure negligence by Bank of America, and puts victims of identity theft like me in a constant state of peril with their unscrupulous operations and lack of identity verification and safeguards.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I had fall behind on my payments and I file bankruptcy and for Illinois hardest hits program Illinois hardest hits reinstatement my loan and I contact bankruptcy court to inform them I contacted Illinois state attorney because I over played wells Fargo is now claiming they don't know what happened to money.they have been with information since XX/XX/XXXX can they be dismantled they said to states attorney pay XX/XX/XXXX and XX/XX/XXXX and they will refund {$6600.00} not but they refund the two payments. 
XXXX XXXX
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Recovery Services, Inc. (Texas) (TX)

I joined XXXX XXXX XXXX XXXX XXXX on XX/XX/2013. On my contract it states that I can cancel within 30 days. ( I have a copy of this contract ) On XX/XX/2013 I sent a written request for cancellation thru Certified Mail. ( i have a copy of this receipt ) On XX/XX/2013 I received a letter from Account Recovery Services telling me that they have reported this debt to the credit bureau. On XX/XX/2013 I sent a written request to with a copy of my contract and the letter canceling the contract to Account Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. ( I have a copy of this letter and I copy of the certified mail receipt ). I have written at least a dozen letters to both XXXX XXXX XXXX and to the Account Recovery Services Inc and they refuse to take this inaccurate information off of my credit report. This information has been on my report for over 4 years and I want it off now. This negative remark on my report has cost me hundreds in high interest charges. Please help me get this off of my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2018-07-24
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: SYNCHRONY FINANCIAL (TN)

I have a CareCredit account with Synchrony Bank and have been using it for some time now. Without my knowledge, Synchrony opened a separate account that was a Care Credit Rewards Mastercard in my name. This account existed alongside and separate from my primary Care Credit account. I only discovered it by logging into the mySynchrony portal and seeing two accounts listed where I expected to see one.

I contacted Synchrony bank and they said that I was sent a letter that required me to opt out to not have the Mastercard account opened. I never received this letter. They also said this was an " upgrade '' to my existing account, which does not seem to be accurate since my balance on my CareCredit account did not show up under the Mastercard account. I instructed Synchrony bank to close the Mastercard account and leave my Care Credit account open, and they agreed to comply with my request. However I do not know the damage this may have done to my credit from having an additional line of credit opened in my name. 

This is a deceptive practice that is borderline identity theft. It is unlawful for any entity to open a line of credit in my name without my authorization. If this is an " upgrade '' of the card, then at the very least I should have been contacted directly for authorization prior to the changes in terms of service and not " opted in '' automatically without my approval. Altering my account without due notice and agreement is also unethical and potentially unlawful.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Visio Financial Services Inc. (FL)

On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at Visio Financial ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned.
Consumer complaint received 2023-04-17
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. (SC)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-04-17
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.