davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MI)

XX/XX/XXXX I attempted to open a credit card at a business. The customer service department for the business stated the credit card could not be approved because I had an XXXX XXXX account that was in collection. I never opened this account. After further investigation, I discovered that the account was being handled by Sunrise Credit Services for collection, and it was opened in XXXX of XXXX. I found the account had an invalid address on file, but they refused to give me more information about the account other than that the amount owed, {$1800.00}. I reported the fraud account to XXXX XXXX, but without an account number, I could not access any more information about it.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a complaint against XXXX XXXX XX/XX/2023 .Their response was they were going to fix credit reporting issues. I don't see a change in anything there's still numerous discrepancies on my credit reports. XXXX XXXX is a known XXXX XXXX the CFPB didn't do much to help me in this matter. I spoke on issues about the dealership and the financing of the vehicle. The deception and high interests rates that consumers endure in a time of need by dealerships and bad credit finance companies are hurting the uneducated and minorities. The unfair credit reporting hurt my credit and added to my hardships during the pandemic. XXXX XXXX did little to offer relief during the pandemic. Most times I felt forced to make arrangements that I couldn't keep in order to keep the vehicle. I lost two sources of income during the pandemic including one that was used to finance the vehicle. I called multiple times asking for help. XXXX XXXX repeatedly called from several different states and numbers several times a day and within a weeks time. I would pay and the account would still be the red. I tried getting multiple loans and was denied due to credit reporting from XXXX XXXX. I wasn't offered favorable loans and resorted to high interest payday loans digging myself deeper in debt. During the shutdown caused by the pandemic my funds were very limited. My income was Social Security XXXX and I had to file taxes before I could receive a stimulus check. While homeschooling my children XXXX XXXX would call and upset me so bad it affected my ability to educate my children. My health issues began to escalate from the constant calls and voicemails. The XXXX and humiliation from the repo was awful. XXXX lost personal property the first repossession the tow company immediately went thru my car. The car wasn't in their possession XXXX hours. I had to borrow money to regain my car and payback high interest on the loan. The response XXXX XXXX gave in my first complaint didnt help and the balance is still the same. I did agree to take possession but never did because I saw very minimal change on the account or my credit score. The vehicle was repossessed twice.
Consumer complaint received 2024-01-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (SD)

On XX/XX/XXXX XXXX, attempted to use an American express reward card ( amexreward.com ) and is continuously declined across a variety of online merchants ( XXXX, XXXX, XXXX  etc. ). I contacted the company and they indicated they don't see the reason why it is declined and to " try another merchant ''. 

I live in a rural area and do not have access to a physical store to purchase these items, and seemingly can not use the card for any oneline purchases.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

We had a check stolen from the mail in the amount of {$5600.00} that was withdrawn fraudulently from our account with Wells Fargo in July 0f 2023. It was immediately reported to Wells Fargo. We provided an affidavit of check fraud from us and the business that did not receive the funds in XXXX of 2023 as well. XXXX months later Wells Fargo claims to be waiting on reimbursement from XXXX Bank, who allowed the check to be fraudulently cashed. Despite being a customer for many years, Wells Fargo continues to do NOTHING to advocate our money being returned. They tell me it is not their problem.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( XXXX XXXX )
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

On XXXX I received a letter from SPS stating that my mortgage payment will be increased due to an escrow shortage due to property taxes and home insurance increase. Immediately, I contacted them and asked for help because in my acknowledgement the calculations were wrong. Unfortunately, I didn't receive any help, they told me that everything is clear, and I am wrong. 
After tried dealing with the matter over the phone, on XX/XX/23 I sent via mail a letter to Select Portfolio Servicing attaching the escrow letter, my homeowners insurance declaration page, my property tax bill. 
Until the present time, I did not receive any response about my letter. I called SPS today and they confirmed that {$4100.00} is my payment without any note or changes, they offered me mortgage assistance meaning loan modification, which I will never accept for something that they did wrongly. 
PLEASE help me to get this resolve, I can't afford the increase and not only that they are wrong in the calculations
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I attempted thought I opened an account with Penfed federal credit union. Days later I received an email asking me for forward a government issued idea. No exaggeration it attempted it 30 times if not 50 it finally was able to be sent. I was even instructed to fax in a copy of my ID I did that I received an email saying it was invalid it needs to be in color. I was instructed to email my ID I did that also both times referencing my application number. I never received a response back from the time I emailed it. 

On XX/XX/XXXX I started making the calls again as you will see from the phone logs below.. I was told, its still under review, asked what is my account number each time asked whats my social security number and it went on and on.. today I got so disgusted and determined to resolve this as the last person I spoke to informed me that the account needed to be manually created it should be done later today or the last Monday Since I was advised days with 2 of emails from Penfed advising me how to create an online account and welcome and a 3rd which I didnt even bother reading.. I called, called and called to no avail. 

As most do, I protect my identity, I just want to break out of the circle comply and answer their request for the first few times by providing my name email address date of birth and social security number. After about the 3rd call and being constantly lied to as everyone I spoke transferred me to a supervisor.. they have way too many chiefs and no Indians who were honest enough to assist and again they all required my social security number. I went online sent a request for an executive member of the credit union to call only to receive a call from a supervisor. On one of the calls I was even asked do you want to open the account or not. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I feel my drivers license information has been compromised, not just by emailing to where I was advised to send it but uploaded to their nonfictional computer system since I started this process on XX/XX/XXXX and here we are on XXXX my credit was hit with an inquiry and I still have nothing. 

When the representative called, I guess returning the call from my request. I asked for her title .. again another supervisor. I paused said I dont trust any of you I need a manager or a vice president to call me with their name and number so I can call them to confirm their identity. I am dumbfounded and reaching out with Please see attachments. I made and feel I a still no where better off in fact worse off as I truly feel my identity as been compromised. 


Thank you XXXX
Consumer complaint received 2024-01-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I've been trying to use the gift card with multiple retailers and it keeps getting declined although it has its full balance. I tried to use a smaller value card and it worked but none of the larger value cards work- it's a lie and scam
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I received a letter saying that Portfolio Recovery Associates LLC filed for an Application for Wage Execution with the Superior Court of New Jersey. XXXX XXXX. XXXX XXXX. XXXX. The debt is more than XXXX years old. I have not made any payments on this debt or reopened the account.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  claim number # XXXX Dear Sirs, I have a complaint to file in regards to my XXXX XXXX Line of Credit. I am XXXX XXXX XXXX and until recently had perfect credit, XXXX rating. 

I have contacted the credit agencies as well as XXXX directly with no resolve. 

My XXXXXXXX XXXX account is for a security system. A very low monthly payment that was setup with auto pay and my XXXX XXXX credit card. 

In XXXX of 2023 XXXX XXXX without my knowledge canceled the card due to apparent fraud. 
When I found out about this I contacted XXXX immediately, paid up the account and gave new credit card. I asked if I could put an additional card for a backup to make sure this never happened again and they said no. 

I was never contact by XXXX when the card was declined. No phone call, email or text. Instead they just report a late payment and dropped my score XXXX point or more. Several other vendors that I had auto pay with had the courtesy to make sure they notified me. We are are talking about a {$75.00} a month auto pay that XXXX XXXX was in charge of. It is not like I was bouncing checks. 

XXXX said they would contact the credit reporting agencies and explain the situation. It does not look like anything had been done. 

I am extremely frustrated as I have worked my entire life to keep great credit and this without my knowledge is causing a major problem. 

Please let me know when and how we can rectify this. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Went to the bank to check on our balance and they would not give it. They played games. Wanted to withdraw money and they would not let us. we left upset. next time went again and asked for the same thing plus a bank statement and they declined. after waiting forever we told them to close the account and give us our money and I am sure they gave us less byt got away with it because we just wanted to leave the nightmare behind. I had the account under my mom and myself. My Mom XXXX XXXX XXXX XXXXXXXX and I am XXXX XXXX. I swore never again to bank with them, They stole our money.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TX)

I have filed an identity theft report because someone has used my identity information ( name, social, phone, etc to open accounts in my name. They have also opened a XXXX XXXX XXXX  account with my information and a different address. I have spoken to the XXXX XXXX XXXX XXXX XXXX XXXX on several occasions. They have been helpful but there are still fraudulent accounts coming up on my credit report. I put a freeze on opening any new accounts
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NJ)

I recently pulled up my credit report and I noticed a couple of inquiries that I don't recognized or approve. I need help remove them of my report they are as following XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Portfolio Recovery Associates LLC, they did not provide me with the original contract as requested. Correction to my credit report, I demand this account be removed from my credit report.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Association, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This collection, by law, MUST be DELETED from my credit report immediately.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally file a complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my documented attempts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. These inaccuracies have adversely affected my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. Despite providing all necessary information and following the procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has neglected to acknowledge or act upon my dispute within the legally mandated timeframe. I have taken considerable care to ensure the accuracy of my credit report and to safeguard my financial reputation. However, TransUnion 's failure to respond appropriately has resulted in unwarranted stress and financial implications for me. I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do following the Fair Credit Reporting Act. 

Enclosed with this complaint are copies of all relevant documentation, including a copy of my original dispute letter to TransUnion and the response I have received from them.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the XXXX is asking you for validation ( FDCPA ).
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Last month I sent a dispute letter to your company regarding an alleged charged off account on my credit report. I asked your company for the debt validation letter as well as the 1099c form for the debt you claimed was written off in the amount of {$14000.00}. I also informed you that I was instructed by the IRS to file form 3949a for illegal tax violations. I was waiting until Capital One did their due diligence and properly investigated, but I will now move forward with filing form 3949a because I am now under the impression that maybe some dishonest and unprofessionalism is going on. This dispute is to inform you that not only have you failed to send the requested documents, but you also failed to inform the credit bureaus that this account was/is in an open dispute so that they can properly notate the account to inform other creditors. You have potentially caused me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. I am attaching my credit report as of XX/XX/24 to show that there is no note on the account as well as the discrepancies in the payment history being reported. How can XXXX report XXXX missed payments while XXXX report XXXX? Your company is not credible, and this is obvious gross misconduct. I am also attaching the dispute letter, which is dated, and time stamped, which will also show that you failed to provide the required documentation. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) : XXXX
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

I took out a learn with XXXX XXXX in South Dakota in XXXX for {$10000.00}. XXXX XXXX  merged with great western bank & in XXXX this loan was paid off in a refinance with XXXX. Last year great western bank was merged with first interstate bank I am the process of looking into selling my house & Security mortgage is still listed as a & {$10000.00} lien holder. 

I have attempted to work with First Interstate- with XXXX & with my current lender XXXX mortgage. No one can help me they say its not their responsibility. the person at First Interstate said there is no record so they cant remove it I reached out to the FDIC and the suggested that I each out to you. 

I have a copy of the check that was sent & the corporate assignment of the mortgage. Could you please help me
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to dispute the denial of my credit card application by American Express and to request a reconsideration of this adverse action. My application was submitted in good faith, and I believe the denial is unjust and discriminatory. 

I am asserting my rights under federal law, specifically 15 USC 1602, as the original cardholder and holder in due course. The adverse action has caused financial hardship, compounded by unauthorized credit card use post-denial.

I demand a prompt resolution and the reopening of my credit accounts, as well as rectification of the adverse action on my credit report. Failure to address this matter may result in further legal actions, and I am prepared to file a formal complaint with the Consumer Financial Protection Bureau and the Attorney General if necessary. 

Thank you for your immediate attention to this matter. I expect a timely response and resolution. 

Sincerely, XXXX : XXXX the date of this letter written to them was XX/XX/2023 and I have yet to hear from american express regarding this matter