davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (LA)

Try to use my u.s. Bank ReliaCard they said my account was suspended I called on the XXXX  they said they were updating their security I needed to send a picture of my driver 's license front and back and a selfie of myself did that waited two days on the XXXX of XXXX that asked me for the same thing again I called them on the XXXX because that's my unemployment money and that's all I have to feed me and my family they said I had to wait another two working days until they can identify my selfie with my license I've never had trouble with my card before don't understand why they have a hold on my card anyway and they will not release my unemployment money
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent several letters to all three credit bureaus to request them to investigate the following items : Transunion Dear Transunion, Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXXXXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NY)

I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NH)

On XX/XX/21 we accidentally missed paying our credit card statement in full ( {$3400.00} ). Our automatic minimum payment paid {$35.00} and we were charged the interest for the billing period ( {$65.00} ). 
We realized our mistake on XX/XX/21 and paid the balance in full. At this time we also set up an automatic payment to pay the statement balance in full at the end of each statement period. 
On XX/XX/21 our automatic payment should have paid full statement balance but only paid {$2700.00}. 
Then on XX/XX/21 Chase charged us another " PURCHASE INTEREST CHARGE '' of {$30.00}. 
When we contacted Chase regarding the second " PURCHASE INTEREST CHARGE '' of {$30.00} they said they were " required to charge it to our account '' and would not make any effort to rectify the charge. 
Due to Chase 's unwillingness to rectify the " PURCHASE INTEREST CHARGE '', we cancelled our account with them.
Consumer complaint received 2019-12-04
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.
Consumer complaint received 2021-03-06
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. (FL)

Month after month I have written all three bureaus. Once in XXXX and twice in XXXX and I have not gotten one response. I have researched and researched on what is it that I am suppose to do when the bureaus are just blatantly ignoring all of my letters. Please help me. Im losing it right now. This is ridiculous. I am literally losing everything because of all of this stuff that is on my report. This stuff is not true and I want it removed immediately. I have attached all the letters that I have written to the bureaus. This is ridiculous and unfair. Please help me I dont know what else to do. I was told that the CFPB will get the bureaus to follow the law so I am writing you for this stuff thats going on. Please help me. I am also sending in another letter to each bureau on Monday. I have no clue what to do to get a response
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$830.00} yet PRA is reporting {$1400.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. I do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I sent equifax credit bureau a letter to verify XXXX XXXX  account number XXXX wasnt not mine U.S Code 1681b states the credit reporting Agency doesnt not have the right to report anything on my credit report without my written instruction. I never gave them written instruction to report anything on my credit report. 15 U.S code 1681c Identify theft prevention ; fraud alerts and XXXX XXXX XXXX. State without my written instruction this is consider as identity theft. On XXXX this account was deleted from my XXXX XXXX credit report but came back verified on my equifax credit report how is that possible when the equifax credit bureau properly investigated the information reporting on my credit report in accordance with the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. I need proof on how did they verify this account or delete it immediately or I want a XXXX dollars for every violation as they violated my rights even more.15 U.S.C 1681 section 602 A. State I have the right to privacy
Consumer complaint received 2021-03-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (AL)

MIDWEST RECOVERY SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called XXXX XXXX XXXX  of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to MIDWEST RECOVERY SYSTEMS LLC, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from XXXX XXXX XXXX So, I do NOT OWE MIDWEST RECOVERY SYSTEMS ANYTHING.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC (GA)

XX/XX/2021 Got a call from this business ... I have never heard of them! XXXX XXXX XXXX  The customer reps keep calling me ( several times in a few hours ) and I have no idea what they are calling about. They want me to give them my information to verify myself. I verified my name, but I will not verify my address. They won't tell me what they are calling about until I verify my address! They threatened me with the line that " this is being recorded ''. They are very rude and I will not be bullied into giving them my personal information because they are recording the call. They said they already have my information ... then why do they need me to verify it. They said they need to make sure that this is the correct person with my name ... what are the odds that a person with my name would have my same phone number, yet not be me? Crazy..I want the harassament to stop!
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

wells fargo bank is allowed a charge in my acct that iam not authorize i call the bank in XX/XX/2017 to see why is the charge for years in my acct that i need then to stop the charge i have a letter from wellsfargo that said the charge was stop the problem that they stop for 2 months only i have the same charge again ( HAP XXXX ) IAM SICK OF THAT ABUSE I TRY TO CALL the # XXXX and never answer only cumputers but said welcome to wells fargo so wells is making the charge in tha is wrong
Consumer complaint received 2021-03-05
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. (TX)

Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX  XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1800.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX XXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX  StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names are not mine, FCRA violation XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY all the above are incorrect, CPRA violation
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Each Account is in the document attached to the complaint I demand that the following account be verified or removed immediately :
Consumer complaint received 2021-03-05
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. (MI)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/21 I deposited a check for {$3700.00} into a branch ATM of my banking institution after normal business hours. By the time I got home I had an email stating they were placing a hold on the check. 

XX/XX/21 I call the bank why there is a hard hold placed on the funds bc they can't prove funds from the funding bank the check is written on, there's nothing they can do, etc etc XXXX XXXX XXXX. Person who wrote me the check sends me a screenshot showing her bank account she wrote the check on showing the funds have been subtracted from her account. I spent approximately an hour arguing about could I just get the check back and rip it up and have her pay via XXXX. Every response was no and too bad just go away. This bank offered absolutely nothing.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I have a Security Freeze at Equifax. I have tried 4 times to lift it. All I get is a message : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

This temporarily has been going on for months. I can get my current Equifax Credit Report but I can not get it to lift the security freeze on its website. Followed instructions : " Please give us a call. We can't complete your request at this time. 
Please call the Customer Care team XXXX '' Have tried this 3 times to no avail. I input all of the required info it requests straight from my Equifax credit report. Get to the end and get a recording : Im sorry we cant help you. No reason. Once I got a live rep who could barely speak English. Same response. Im sorry we cant help you. No reason. '' Sent required info my mail. No response. No action, No lift. I can not get a new credit card from XXXX because of this. 

Sending copies of my Drivers License & W2 statements w my SSN by mail or fax is totally insecure but I have done it in order to get a security freeze lifted. Still has not been lifted. 

I am able to get my security freeze lifted at XXXX  and XXXX over the internet with ease any time I want. But not at Equifax. 

But that does not help me w any company that uses Equifax to check my credit.
Consumer complaint received 2021-03-05
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. (SC)

The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. XXXX was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC (LA)

My wife and I ( account holders ) set up an escrow account and automatic payments with GMFS in XXXX of XXXX at the closing of the refinancing of our mortgage. That escrow account was pre-funded during mortgage closing. In XX/XX/XXXX, we received a letter from the Sheriffs office stating that our property taxes were not paid by our escrow company. After numerous phone calls by my wife, the taxes were finally paid - and those taxes are now considered late. 

Today, XX/XX/XXXX, we notice that our mortgage is no longer being withdrawn from our bank account per the agreement for auto payment. We have now been falsely told that the payments were canceled by myself ( husband ) - first told that i called to cancel them, then told that it was via online web portal when confronted. I have never registered for online access to GMFS, nor have I ever called to access the account or made changes online. This statement is verified by the fact that GMFS does not have any record of either of my email addresses or my mobile number - as confirmed by GMFS 's online registration system. 

When confronted with the information that someone has fraudulently accessed my account, GMFS showed no interest in any remedy for fraud, and instead told us we had to pay double payments to our mortgage to set up a draft again. It is unacceptable that GMFS refuses to : Acknowledge that an error occurred on their part. 
Acknowledge that the error may create secondary consequences which require remedy. 
Acknowledge that an internal security issue exists and required immediate attention. 
Allow for reinstitution of a bi-weekly draft for account payment without requirement of a double payment due to a GMFS error.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was applied this Merrill + Visa Signature Credit Card card on XX/XX/XXXX, I was received a notification says the card has been approved, and received the card within the following week, I activated this card on XX/XX/XXXX, and started to using it on purchases.
Last week friday XX/XX/XXXX, someone called me and said my card has been abruptly canceled due to their error, I do n't know how they can cancel a card which has been activated, signatured and used then unilateral canceled without further consult with me. 

There is no any reimbursement or replacement about cancelling this card and they even mailed me more of this card user agreements. 

I really want this card, but due to lack of transparency and reasoning, I need a further investigation about this.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OH)

Our mortgage was serviced by XXXX before being transferred to XXXX XXXX when XXXX was acquired by XXXX XXXX XXXX. We had an escrow analysis done this past month ( after successfully getting our PMI removed after an appraisal ) and instead of our payment going down by the PMI amount, it went up by over {$200.00} a month. The company is claiming our taxes went way up ( they didn't. Our taxes and hazard insurance increased by {$360.00} total for the entire year, but according to the company they were calculating our taxes based off of a tax amount that hasn't been accurate for several years, but county records reflect accurate payments. When I asked for the escrow analyses over the last several years, they claimed they don't have them and that I need to go to XXXX to get them. Obviously that's impossible because XXXX no longer exists. BSI Financial should have all documents from the life of the loan, but they are claiming they do not.
Consumer complaint received 2021-03-05
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: Resurgent Capital Services L.P. (NY)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.