davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

I am being abused by American Express and this is no lie. On Saturday XX/XX/2020 I received a text message at XXXX XXXX  from American Express. I called them back. Three different times, American Express tells me I am 60-days pass due for an amount of {$130.00}. My due date was XX/XX/2020 and I submitted a payment that was I short of {$170.00}. That was my error for selecting the wrong charges to pay over time and both American Express and I were aware of it and we had a long phone conversation about it. I was upset about the late fees so the rep was kind enough to back those out. Then out of nowhere, the XXXX storm begins. American Express tells me I am 60 days pass due for an adjusted amount of {$130.00}. I was strong armed into paying {$130.00} even though I had until XX/XX/2020 to pay the shortage. I pay the pass due amount on Saturday XX/XX/2020 and received a confirmation email. Then on Sunday, out of the blue, I get another XXXX storm of emails from American Express. My American Express card was suspended in XXXX XXXX. A second email from American Express wanted to " thank me '' for my recent commitment to make payment ( s ) on my account, i.e., a Payment Commitment Confirmation with a " Pay Bill Now '' link to pay {$130.00} and to also thank me for my card membership. I get a third email from American Express to inform me that my American Express Card was reactivated in XXXX XXXX. Then, I fourth email from American Express informing me that I have a payment due by XX/XX/2020 that includes an additional {$130.00} on top of the minimum payment due by XX/XX/XXXX. So, as American Express pointed out to me, that I had a good payment history but in light of recent events ( presumably late payments ), that is the reason why I am now treated this way. I have not checked my credit reports yet. The reps I spoke with at American Express tells me " not to worry '' but I suspect, American Express may have already submitted negative reports to the three major credit bureaus. This is my 2nd complaint Since XX/XX/2020 about the same issue.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

In approximately the summer of 2017 I received a collection notice for over {$800.00} for a XXXX XXXX bill. I have never used XXXX XXXX ( my company phone is XXXX now, but even that is new this year ). I contacted the collection agency and advised them. They told me I needed to call XXXX. I did, and XXXX confirmed that whatever it was that was ordered was ordered using my social security number and my address but a different email address than any I have used. They said it was strange because it was a phone but the service was never activated. Further, that phone or whatever it was never was delivered to my home. They confirmed that it looked like fraud to them as well. They asked me if I could file a police report, but I pulled my credit report and given that it was the ONLY item on my credit report I felt that filing a police report wasn't going to get me anywhere. What would the police do for one item on my credit report with ZERO information about who might have done it to go on. So I simply advised XXXX that I wanted to dispute the account as it was not mine. 

Then they sold the debt to : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN I immediately notified them by mail that this was not my account, that XXXX KNEW this was not my account, and that it was the result of fraud. No response. They placed it on my credit report ( which XXXX never had ). I disputed it with all three bureaus and explained the situation in detail along with my dispute. 

They each did their investigation ( whatever that means ) and Jefferson Capital stood by their reporting. 

This is NOT my account. It has NEVER been my account. I have NEVER received anything from XXXX nor used XXXX in any way, and this is unjustly harming my credit. 

Please contact Jefferson and have them remove this listing as it has nothing to do with me.
Consumer complaint received 2020-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Receivable Management Services LLC (SC)

I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
Consumer complaint received 2020-03-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TN)

On XX/XX/2020 I signed a refinance contract with Loandepot. 
There were two checks issued. 
One for XXXX One for XXXX made out to XXXX Not cash able according to XXXX. 

Spoke with XXXX XXXX at Loandepot Return check and receive a replacement. 
At my expense. 
Ok fine. 
XX/XX/2020 still no check. 
XXXX XXXX is no help. 
Loandepot originators are accepting no fault. 
No movement on this and mortgage is due XX/XX/2020. I will pay on time as usual iaw previous payment history. 
I am a loyal customer. 
Seriously XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have XXXX  XXXX  XXXX. I am a victim of ID THEFT XX/XX/XXXX XX/XX/XXXX I am victim mail fraud XX/XX/XXXX XX/XX/XXXX. I am XXXX  years young. I grew up with pay phones. But I still have rights and NEEDS to hook up with the world On Line. I have XXXX  XXXX  screen reader XXXX scanner XXXX  Accessibility Tools. I need ACCESS TO EQUIFAX. I HAVE EMAILED XXXX MARKED XXXX ACCESS TO NO AVAIL.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MN)

Via utilization of my XXXX store card ending in XXXX, issued by Comenity Bank, I purchased an article of clothing in the amount of {$21.00}. As the item proved too small, I returned it for a refund which - per the attached - XXXX  credited to my store account. 

In an effort to accommodate Comenity Bank, I had agreed to go " paperless ''. Unfortunately, I never received an ( e ) statement - perhaps it went into Spam? - and so my account went into past due status. On discovering the problem, I contacted Comenity Bank and agreed to a direct transfer of funds in the amount of {$22.00} - which included a small amount of interest - to settle the account. Subsequently, my bank - XXXX XXXX - made the transfer from my account ending in XXXX on ( or about ) XX/XX/2020. 

I've now received the attached letter from Comenity Bank stating it can not issue me a new store card " due to the status of your ( my ) account ''. Thus, they are denying me the {$21.00} credit balance - via the refund from XXXX - on my store card. Irrespective of Comenity Bank 's insolence, I am entitled to the credit balance on the account ending in XXXX. What's more, I feel I am entitled to some reasonable amount of damages. 

( Fyi, I just finished applying for a mortgage loan. In that process I learned my XXXX  score is XXXX. One doesn't merit such a high score if you don't pay your bills! )
Consumer complaint received 2020-03-20
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Monterey Financial Services LLC (OH)

To whom it may concern, T My name is XXXX XXXX, I am filing a complaint against Monterey Financial Services due to a fraudulent loan. In detailed I was calling around to a few schools in XX/XX/XXXX, looking for a school that offered XXXX XXXX certificate. I reached a company called XXXX ( under a recorded line ). I was told by the representative XXXX that I could start school in XX/XX/XXXX after the holidays, when I was ready to start. The representative lied to me and told me to sign a docusign that would save the sale that was going on in XXXX for XXXX 's enrollment. I specifically told him I had someone working on my credit and I do not want my credit pulled. The XXXX representative unethical practices lied and stated that it was just part of the enrollment no loans or anything of such. With me just calling around to schools I didn't think anything of it. The representative told me I could cancel attendance at anytime with no penalties to me. I ended up attending another school and forgot about the one phone call to XXXX. Unfortunately, my email was closed and I was unable to access my email to even remember the companies name. All of a sudden I receive a bill XX/XX/XXXX in the amount of {$3400.00} for one phone call. I had never received any sign in, never attended a day of this school and was completely defrauded by this online loan. I have attended many schools this is the first school that has used unethical practices to give people fraud loans. Where is the product? I never attended the school, don't know about the school and after dealing with this have looked up the school XXXX   and Monterey financial services and both have horrible fraud reviews. Monterey Financial Services has many class action law suits and this should not be legal. One inquiry phone call with no product should not turn into a {$3400.00} bill under some fraud financial  institution.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXXXX/XX/2023, I was applying for Wells Fargo credit card based on an offer I was sent in the mail. As I was speaking to the agent and providing my personal data for the application, I remembered I had frozen access to my credit with the XXXX credit reporting agencies. I asked agent hold while I unfroze my credit inquiry access with the reporting agencies. She agreed to hold while I unfroze the access. I was able to do this online while she was on the phone line. She checked my credit with XXXX and when she returned to the call, she said that Wells Fargo needed to get back to me is decision in the mail within XXXX business days. By the afternoon, I received an email that I was denied. My credit score before this request for credit was over XXXX and Im normally granted credit. Now understand that the first attempt to check my credit file, they said access was blocked whereas I had emails that my credit was unfrozen. Now, Ive been denied credit and have an inquiry on my credit file with a lower credit score, to boot. My belief is that my credit request was improperly accessed and evaluated. The offer sent by Wells Fargo had favorably XXXX XXXX terms for a transfer which is the reason I even made the application. I feel I was unfairly treated and desire proper consideration.
Consumer complaint received 2020-03-20
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: Shellpoint Partners, LLC (IL)

On XX/XX/2020 I became aware that Shellpoint Mortgage was reporting to all major credit reporting bureaus that I held a real estate loan with their organization. I have never heard of this company and immediately contacted them and they concurred that they have no record of my ever having an account. They indicated that they would contact me within 10 days with at least an update on why they were reporting this incorrect information. They have failed to follow up and the information remains on my credit report. Each call with them results in the same waste of time and non-answers.
Consumer complaint received 2020-03-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On my credit report it shows that I am 60 days past due. 

It states XXXX, XXXX and XXXX as received payments over 30 days lates. 

I have made payments on the following dates. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX The incorrect amount is being shown on my credit report. 

Payments submitted the following
Consumer complaint received 2019-12-27
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.
Consumer complaint received 2020-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

In general a debit card was opened in my name without my permission. I guess it was done because I didnt opt out of it. Not only was this unwanted but it also dropped my credit score. How is this legal?
Consumer complaint received 2020-03-20
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. (SC)

This company is being unfair to me for the prolonged infractions of my consumer rights per the Fair Credit Reporting Act and the Federal Trade Commission. I have been in communication with them for a number of months now, mapping out unrecognized account in my credit report and giving all the details needed for this company to investigate and delete this account. 
But to my surprise, they keep on reporting it and don't at all respond to my request. 
Please assist me to make this company carry out a real investigation this time around and finally removed this untitled account right away. 
Below is the account in question : 1. Untitled, Account # XXXX, Date Opened, XX/XX/2015 I dont know what this is, would you please delete this unrecognized account from my report right now! 

I am attaching the letter i sent to them earlier as evidence of my correspondence with them.
Consumer complaint received 2021-06-18
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: ALLY FINANCIAL INC. (WY)

Ally financial not only allowed my sister to illegally obtain a auto loan in my name to a relative, But they are now illegally re- aging the charged off account on my three credit bureau's.This is a complete blatantly violation of the fcra.This is when a company changes the dates on an account to penalize someone. In my case they showed this account was closed on XX/XX/XXXX which dropped my score 50 points..This account was charged off in XXXX of XXXXYet it was supposedly just closed.But have credit reports of it showing closed.This is an illegal tactic. This is a very dishonest company.I have provided my attorney the proof of what they have done as well as sent it to their local attorney General.Its one thing to dispute who got an auto loan, but I'm even more appalled by this tactic. it was told to me by an attorney. XXXX XXXX XXXX.dob XXXX ss # XXXX.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.
Consumer complaint received 2020-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Please refer to previous complaint where Loan Care is stating that they are not responsible for this complaint ( XXXX ) dated XX/XX/XXXX. However, I received there response on XX/XX/XXXX that they did acknowledge my complaint. The response is being sent to the sold property. I also want to address my concern once again on question # 3 of their response. HOW CAN SOMEONE PUT MONEY IN AN ESCROW ACCOUNT WITHOUT MY KNOWLEDGE AND BUY THE HOUSE 2 DAYS LATER? Also, who was the letter addressed to regarding authorizing someone to perform an activity on my account ; dated XXXX XXXX ; after the house was supposed to be sold. It is considered MORTGAGE FRAUD.when a third party put money in an account while the owner is still in the house and before the sale, so I want my complaint addressed correctly to explained how can a house be foreclosed without talking with the lender after a transfer ; even though it was a continued trustee sale. This sale was on behalf of XXXX sated XXXX not Loan Care, so Loan Care or XXXX XXXXl should not have accepted money for this account until they had allowed the owner to correct the account, participate in the sale or do a short sale at least. Also, is XXXX XXXX really a company because they are not responding on their letter head but they have the sole rights to the loan? My complaint has been sent to other agencies but Loan Care is contradicting themselves by saying that they are not responsible when in fact they are responding to my complaint. Please assist in resolving my concern while my letters are still being sent to a SOLD PROPERTY address. If I am not in your system, then stop sending me form letters and address me as a former owner.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.
Consumer complaint received 2020-03-20
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-24
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. (NC)

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.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (GA)

Hello XX/XX/XXXX some how there system allowed some one to transfer XXXX out my saving account and sent to someone else. The card we have you use your real social and info to get direct deposit. It showed me her name and I search her on XXXX she stated that it got sent to her and continue making jokes. Please help me .... Me and my daughter need this money that was my tax refund. I have bills to pay and have feed my daughter. Can some please call XXXX and assist me immediately
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There is an bankruptcy reported on my credit report that does not belong to me. 

US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the courthouse myself. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : I have filed a police report and have provided the police report to Equifax and a copy of my drivers license and utility bill. 

Thank you
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EXPERIAN ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD.

THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.