davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-17
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-05-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Equifax Credit Bureau Attention : Compliance Supervisor/CEO To Whom It May Concern : I am sending this letter again in response because I have recently checked my credit report with your company Equifax. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt or delete it immediately. 

XXXX XXXX XXXX NOT MY ACCOUNT- DELETE IMMEDIATELY If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. 

I look forward hearing from you to resolve this concern. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (NY)

Choice Recovery, Inc. sent me two statements XXXX XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX, XXXX for {$320.00}. I sent the firm a cease letter by certified mail on XX/XX/XXXX and the firm still reported this debt to the CRA. I had to dispute it to have it removed. Choice Recovery, Inc. sent another letter on XX/XX/XXXX for XXXX XXXX, XXXX for {$170.00} I sent the firm a cease letter on XX/XX/XXXX and the firm still reported this debt to the CRA. I need this false reporting removed from my credit report and the firm needs to know the FDC act. Its just a matter of time before they create another fake collection with a diffrent dollar amount and disregard my cease letter and report it to the credit reporting agencies. I need this to stop.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I purchased 16 DNA kits for my family for XXXX. I was alerted by credit card company of fraudulent transactions. I informed them it was me and they reactivated my card ... XXXX had stopped the order so I called them and made the purchase over the phone on the same day. And was to believe the transaction was all set. I received the kits and put them away till the holiday. In XXXX of XXXX I learned that the kits have been deactivated by ancestry, and we had never been notified. I called ancestry they did inform me that they did deactivate the kits and never received payment. According to my statement this had been paid in full on XX/XX/XXXX by my credit card company. Due to the length of time from XX/XX/XXXX till XX/XX/XXXX AncestryDNA had deactivated the kits. 
I than called XXXX chase credit card and was told I need to file a a complaint and that the form would be in the mail 7/10 days ... it never came so I called back and was told they could not help me that it had been to long. The total for this purchase was {$1000.00} it was two purchases as you can not purchase more than 10 at a time.

( 10 kits {$640.00} and 6 kits {$380.00} ) no one seems to be able or willing to help thank you
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (OR)

American Express, with whom I've been a customer for more than ten years, will not stop sending me nuisance emails about my card balance. According to the website, the customer can opt in, or opt out of emails which alert the customer when the balance is " nearing the limit. '' Unfortunately, AMEX sends these emails at every transaction starting when the balance is not even really close to the limit. 

But here is where things turn worse : a customer representative incorrectly and perhaps dishonestly said that AMEX is required by law to send these emails. No such law exists, and no such law was ever applied to me in the past ten years by AMEX. This is a new technical quirk for which AMEX refuses to take responsibility. 

And it gets worse : the email which AMEX sends carries a feedback link to respond to the company. That link is permanently broken. Also bad, AMEX generates these emails citing balances and charges that are entirely incorrect. A recent email alerted me to the problem that I was over my limit. I was never once over my limit, not even for 5 minutes. But you can see how these emails, given their frequency, can become alarming. 

The AMEX interface online makes it clear these emails can be turned off. But turning them off does not turn them off. They are unwanted, unnecessary communications and I want them to stop. I also want AMEX to not lie outright to me, citing legalese that does not exist. To be honest, I suspect that AMEX does this because I currently enjoy a 0.00 % promotional interest rate, and penalizing me with multiple emails starting when my balance is only 65-70 % of my credit limit is a way to suppress spending, or, to induce me to not carry a balance.
Consumer complaint received 2021-05-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Certified mail was sent to XXXX  XXXX and Experian regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  and Experian failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. XXXX XXXX and Experian responded with a letter negative listing verified. Who verified these accounts? 

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Consumer complaint received 2021-05-17
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

American Advisors Group ( AAG ) fails CFPB compliance ( concrete evidence have been witnessed by current/former employees over the years and ongoing ) : Does NOT serve the mortgage lending needs of American seniors in an ethical manner. 
Does NOT treat all seniors equally. 
Is NOT honest with seniors. 
Does NOT give full disclosure about all terms and conditions of the mortgage loan during sales process. 
Instruct loan officers to mislead and manipulate seniors, and use knowledge to take advantage of seniors. 
Does NOT adhere to CFPBs code of ethics or XXXX XXXX XXXX XXXX XXXX ( XXXX ) s guideline.

Dishonesty and No Integrity : AAG management members conduct business in a manner reflecting systematic bullying, dishonesty, dishonor, and no integrity. 

Personal Misconduct : AAG loan officers mislead and manipulate unsuspecting seniors in signing up for reverse mortgages without disclosing all loan terms. Loan officers are instructed by management to lie, manipulate, and deceive seniors. Those of us who raise questions about AAGs steering behaviors and misleading information or speak out against the companys unethical and illegal business practices are placed on administrative leaves or have been fired due to fictitious reasons. 

Dishonesty in Advertising : AAG provide misleading information in their advertisements and solicitations. The TV ads by XXXX XXXX and mailed flyers to seniors asking them to call in for a DVD, but in reality loan officers are trained to persuade and manipulate seniors to sign up for reverse mortgage when they call in. The DVD is just a bait and switch sales technique. 

Non-Compliance with Law : AAG is an unethical company that has been scamming seniors with reverse mortgage under the protection of the Federal Housing Administration ( FHA ). They bride employees to go online and give glowing reviews on XXXX and XXXX, but in reality many employees are being bullied and harassed by management. AAGs business values are contradictory to their business practices. AAG training and workplace environment reflect systematic bullying, manipulation, and deception at the lowest to top management levels.
Consumer complaint received 2021-05-16
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. (NJ)

Dear Traunsuion, in response to your response, i am not a third party. My name is XXXX XXXX XX/XX/1978, and I am a victim of identity theft. And I give again authorization to CFPB and Transunion
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Lienholder is Fifth Third Bank I requested that all payments over the monthly payment be applied to the principal only. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments have been placed in a BP curtailment account. The monthly payment is being reduced and the additional payments do not appear to be applied to the principal. I have called to confirm this multiple times and requested documentation stating that my request are being honored to no avail. I am being told they can not put in writing my request and confirm the exact allocation of funds.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CO)

I have tried calling BBVA over 15 times and I still do NOT have a resolution for over {$1100.00} worth of charges and foreign transaction fees. The customer service agents have such a thick accent and speak so fast that I was not able to understand half of what they were saying.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021 I called chase and told them multiple times I cancelled automatic payments on XX/XX/2021 with the merchant XXXX. Since then I have received no correspondence. I realized Chase sent me a letter 4 days after it was due, however I gave chase the information they needed to assist with my dispute. They credited me for 1 transactions and in total have gone through, in addition to OD fees they have not addressed. 

I also had another claim involving being overcharged by food merchants and Chase temporarily credited my account and without warning or explanation reversed the {$15.00} and change they credited. No one has called to ask about the disputes or gain more information. 

They have continued to allow an XXXX  refreshment charge that was also cancelled for {$5.00}. 

Chase has the worst customer service. I feel like I can only come here now to get resolution on cases or issues I am having with them.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CO)

XXXX charged off this debt. There has been 3 other collection agencies over the years that have attempted to collect this debt that they paid for pennies on the dollar. None of them had the original agreement signed by me to the original debtor. 

I had never heard from Convergent Outsourcing until I saw that they were reporting on my credit reports that I owe them a debt. 

I have signed no agreement with Convergent Outsourcing , Inc and do not owe any debt to them. Without the initial signed written agreement between me and XXXX XXXX or a signed agreement between me and Convergent Outsourcing proving that I owe a debt to Convergent Outsourcing Inc., which is the only approved means to validate a debt with the FDCPA. 

I have written Convergent Outsourcing Inc., several times through certified mail requesting that they provide me with the original agreement signed by me to the original debtor that gives Convergent Outsourcing authority to claim this debt. Convergent Outsourcing must not be reading my certified letters because they continue to send me copies of old 2017 statements from XXXX XXXX that they paid pennies on the dollar for, and that is not VALIDATING that I owe Convergent Outsourcing INC anything. All that proves is that they paid pennies on the dollar for a debt that XXXX  XXXX charged off the debt as a business loss. 

I have requested that they remove the derogatory mark as a collections on my credit reports on the 3 Credit Bureaus. They have not done so but continue to report false information that I owe them a debt and that is a violation of the Fair Debt Collection Practices Act and defamation of character. I repeat ... Convergent Outsourcing Inc has not proven that I owe them a debt. They have not provided the one source of proof that is the original agreement signed by me to the original debtor, XXXX XXXX. 

Next step is to contact an attorney and file against Convergent Outsourcing Inc .
Consumer complaint received 2021-05-17
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: Advanced Resolution Services Inc. (MO)

I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX XXXX, XXXX, ARS, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Consumer complaint received 2021-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Activehours (TX)

I spoke with Earnin through their chat feature since that's all they allow. I noticed they removed funds too early from my bank account, causing overdraft fees to my bank account. I notified them of this issue before the XX/XX/XXXX debit, and they assured me that it would not occur again. Earnin changed the due date, and I was sure Earnin resolved it. I rechecked the Earnin app before XX/XX/XXXX and noticed they had the date incorrect for withdrawal and had it set to 2 days before I am paid. I spoke with an agent and got nowhere, so I asked to speak with a supervisor who would not change my due date even though I explained that the bank does not deposit my funds while Earnin has chosen to debit my account. They informed me that I would have to wait until it happened again to change my withdrawal date. I was paid on XX/XX/XXXX at XXXX XXXX and checked my account to see its accrued fees because Earnin refused to change my due date. I chatted online with another representative on XX/XX/XXXX who changed my withdrawal date to 1 day before getting paid to ensure I did not receive any fees. I received a case number and was told this would not happen again and the change was permanent. I've checked the app again and now Earnin has my withdrawal set to the XXXX. I don't get paid until 2 days before my check at XXXX XXXX CST.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (OH)

Beginning around about XXXX or XXXX of XXXX, out of nowhere a bank finance company called ALLY BANK that I used to deal with paying my XXXX XXXX XXXX ( that has been totaled since XX/XX/XXXX ) has been trying to reach out to me claiming that I still owe on this loan. However, since 4 years have now gone by, I was not sure why they were asking about payments all of a sudden. As stated this car has been totaled out since XX/XX/XXXX, my insurance through XXXX at the time. XXXX covered the expenses, and my gap insurance that I paid for as well covered the remaining balance. So its odd to me that 4 years later this company is demanding a payment. Since I refuse to pay, it has been effecting my credit score very negatively. I have tried reaching out to corporate of Ally, and no one can give me an explanation. I have also tried reaching out to the gap insurance company to pull the information of proof that they covered the remaining costs and they have also been no help, as this was 4 years ago and they said they can not pull records from that long ago. As frustrating as this is, I have no idea what to do at this point. My credit is being effected and this is not at all fair. If I had the means and opportunity I would be suing Ally bank. In the mean time I would really like for this to be resolved in any way as soon as possible.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NY)

My wife had this card that was offered when we got a new checking account. I must have received one also but never activated it. My wife XXXX XXXX  in XXXX and because my name is also on the checking account. I have no access to this account and they don't mail the bill until it was past due. Where they applied late fees and interest rates. 
elan financial, cardmember service, I received the bill XX/XX/XXXX where there was XXXX late fees and XXXX interest charged.I am going to pay this off as soon as I save enough money, but these people don't help. 
Twice I have asked them to mail the bill on time and twice I have received it past due. I don't feel I am responsible for it at all. Never signed for, never used it and they know it.
Consumer complaint received 2021-05-17
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. (CT)

I have contacted each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-05-16
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: FIRST NATIONAL BANK OF OMAHA (IL)

I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and XXXX ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I had an insurance loss XX/XX/2020. I notified Rushmore my lender. I settled and got a two party check. I again notified Rushnmore. They rold me to endorse it and to send it to them, They also told me to send a letter of intent for the check. I told them i was trying to sell the property and UPON the sale of the property the check can be used to pay the remaining mortgage and send me the rest. They took the proceeds and paid the mortgage without me notifying them. Now if I can not sell the property, I no longer have funds to fix it.