davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
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. (FL)

According to the FCRA ( THE LAW ) XXXX XXXX Transunion needs to remove these unauthorized inquires. Its been over 30 days Under federal law, XXXX has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.
Consumer complaint received 2019-09-09
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. (GA)

Hello. I was made aware by XXXX XXXX that a bankruptcy was on my credit report. I wrote the Equifax credit bureau twice and included letter from the US Courthouse, XX/XX/XXXX and XX/XX/XXXX requesting their method of verification and I received letters stating that they used a 3rd party company to obtain the record. I visited the XXXX, Ga US bankruptcy court and they stated that they do not verify such information. See attached letter. And it is my understanding after research that only courts can verify this type of information.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (HI)

I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called TD bank and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.
Consumer complaint received 2021-12-23
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. (PA)

I as a natural person ( consumer ) who is protected under federal law. Experian violated my rights under FCRA section ( 611 ) 15 U.S.C. 1681 ( 6 ) ( a ) ( iii ). Experian failed to respond for my request for method of verification FCRA, section 611 ( 6 ) and ( 7 ). This is a clear violation of my rights and I have also uploaded proof of the documentation.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I did a loan modification with Wells Fargo, but the amount of the monthly payments were as high or higher than previous monthly payments. They then did not approve me for another loan modification. I did not receive any notices of foreclosure or closing documents even though they knew my email address. They also charged me many fees and didn't want to work with me to allow me to keep my home. 
They also changed my Home Preservation Specialist contact person many times. 
XXXX XXXX initially XX/XX/XXXX, than XXXX XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX. Finally, after all the new reps they kept changing on me, XXXX XXXX XXXX just stopped answering my emails and phone calls and I heard nothing from Wells Fargo again until XX/XX/XXXX when they started the foreclosure process. 
During the times when they kept changing my point of contact, the replacement representatives didn't seem to share my information, as such, I was required to re-submit all the documents again and again and again. 
I was so stressed as both my parents passed away ( father in XXXX and mother in XXXX ), my wife 's mother passed away in XX/XX/XXXX and with XXXX XXXX going under and XXXX, Wells Fargo took advantage of me and " stole '' my home away from me.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

My medical bill of {$210.00} was paid in XXXX ( well on time ) but Receivable Solutions XXXX, XXXX, SC still flagged my account with credit rating agency and my score went down by XXXX points. Im about to apply for mortgage but now can not because of their error. My account was in very good rating until now. I called them and they admit their mistake but dont know how much time will it take for them to get it corrected. Please help o resolving this as this is consumer harassment.
Consumer complaint received 2023-01-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AK)

Wells Fargo home loan, and refinance. I signed up for a 3.25 % refi loan and never missed a payment and when I found out it had been changed to a higher rate I paid it of early. I tried to get satisfaction for the oversight but it was not taken care of, just passed around. Highly irresponsible and cost me money. Still waiting...
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter. ''
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The company credit acceptance In XX/XX/2021, I called to have my payment rescheduled for a few days out. The person that I spoke to said that there would not be a late fee and it would not affect my credit. Well they lied it did effect my credit and since we were on a recorded line which they stated. They should be able to go back and see when I call in XXXX to have the payment arrangement. Again the person that I spoke with said that we were in a recorded line. So it should not be a problem to pull up the conversation, and have the issue resolved immediately. This is very unfair and injustice for what has been done. It has made a major fall on my report. I would like this taken care of. I have reached out to them. They wouldnt talk. So now I need your help. Thanks
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (ME)

We were contacted by phone, before XXXX XXXX  ( outside of traditional business hours ) by a collections agency called ERC, claiming to represent a receivable owed by us to cable provider XXXX XXXX dating to our move from XXXX XXXX  XXXX in 2020. 

We do not and have never owed any money to XXXX. Indeed, since they bill in advance, it's more likely that they owe us a pro-rated refund. This has been explained to a previous collections agency, but the alleged and invalid receivable seems to have been resold. 

The ERC representantives were rude and XXXX, calling outside of normal business hour and demanding information without properly disclosing that any personal information offered would be used to attempt to collect the alleged debt.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (RI)

Had a vehicle loan through Wells Fargo Bank in 2011. Car was repossessed only being behind XXXX dollars on a payment. Lost my job as a result due to no transportation to and from work
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (NC)

Progressive Management Systems has contacted me numerous times in a day, often using threatening language and insisting I secure additional credit to pay the debt that is " owed '' to them. I have not been able to verify the original debt from the creditor- as I was making payments to the original creditor directly. Additionally the balance that I would be responsible for and have agreed to is solely the balance for services rendered. Progressive Management Systems is insisting I also pay them an additional interest of 8 % - which was never once agreed upon nor was there a contract signed that stated this agreement. Additionally there have been threats to my credit report and been told on numerous occasions from Progressive Management that unless the balance is paid in full ( including the interest rate that was never agreed upon ) this will not be removed from my credit. Their practices are illegal inappropriate and they are using false and misleading information to collect their debt.
Consumer complaint received 2019-09-09
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. (NY)

Hello I keep getting harassed by XXXX loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on experian, XXXX, XXXX and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I purchased and XXXX XXXX XXXX inch described as new and came with a DVD Player from XXXX with my Synchrony XXXX XXXX. But when I tried to use the laptop, it was neither new nor had a DVD Player. I have been disputing it for months now, with the seller, with XXXX and last dispute was with Synchrony Bank. Neither of them responded except the seller apologized and offered me {$25.00}. I'm a senior and can afford to lose this kind of money and the amount is {$490.00}. It's been several months now, but instead Synchrony Bank reduces my credit limits due to misunderstandings with my credit score that I'm working on fixing with the help of XXXX. When my credit score was XXXX, I was subjected to IHSS Gubernatorial Tort for 3 months, illegally with no payments. I'm working on an appeal with them. But then Synchrony bank sends me a letter today with no questions asked, reducing my limit. I've been a loyal customer with XXXX for over 20 years, but because this month 's payment failed synchrony bank is assuming I did not make the payment. In fact, when I spoke to XXXX, he understood that I had made the payment but because my checking account number changed, Synchrony Bank rejected the payment. I then today, immediately called Synchrony Bank and made the payment immediately with my XXXX XXXX XXXX XXXX  linked to my new account, but it's the same debit card I've had, it did not change. I explained to him that I did not get the checks until weeks later, but when XXXX XXXX gave me the new account number it was missing one number. 
So instead, Synchrony Bank sends me a letter reducing my credit limit, without advance explanation or questions, accessing my credit bureaus without my knowledge or authorization. If they had asked me first what has been going on, I would've explained it. Since, I'm still the same reputable creditor I was when I had a XXXX score. They took action without considering my over XXXX loyalty record with them! Please help me. It's all misunderstandings, due to circumstances beyond my control. In fact, the very thing they are disqualifying me about is the very thing theyre making worst by lowering my limits, affecting my credit score. I dont understand why entities complaint about something theyre the ones making it worse! Thank you.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I enrolled into Capital One 's payment plan after I had 2 personal losses on the same day on XX/XX/2021. I missed a payment, at no fault to the Bank. I spoke to a representative to inquire if there was anything that they could do to help me get caught up. She waived my late fee, and instructed that I pay {$100.00} now, and {$150.00} by the XX/XX/2021, and to make my regular schedule payment on the account in XXXX. She instructed and it is advertised that if I enrolled in this, that it would not be of any penalty to me. I did everything instructed and I still received a credit reporting of being late 2 payments ( which shows the full balance on my credit reporting ). When I called Capital one, and spoke to 4 reps, I was now informed that I should have paid the {$100.00} and {$150.00} for my account to not be late. The original customer service representative gave me the incorrect amount by {$3.00}, and she misinformed me. After I made the payment in XXXX, I called back they reviewed the acct and waived the late fee, but now, I am at fault. I am understanding that this is my circumstance with my family, and no one should bear the pain. My frustration is the misleading of the payment plan helping the client, when the bank is giving the incorrect amount that need to be paid and no one seems to have documentation of what the rep advised me. A waste of time and a lost of trust to this bank.
Consumer complaint received 2021-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

Dear Sir/Madam, How are you? I hope you fine. 

I am very sorry to write email to you as I had sent one Letter to Director of Inspector General of Justice Department U.S by XXXX XXXX number : XXXX received by XXXX XXXX since XXXX, 2021, for helping in the JP MORGAN CHASE HOLDING our Fund in amount of US {$160000.00} which sent to our XXXX XXXX  XXXX XXXX XXXX 

Until now, I did not receive any feedback from the Office of Inspector General on my letter. I did not know the office of Inspector General had received my Letter or not because I did not yet receive our fund into our bank account at XXXX XXXX XXXXXXXX in XXXX. 

In this case I would like to request you for help in SWITF Tracking the our fund which JP MORGAN CHASE Routing to our XXXXXXXX XXXX  XXXX in XXXX. Please kindly help me on that case. 

Please kindly find my letter attachment sent to Director of Inspector GeneraXXXX. 

I am very appreciated if you could help on the case. 

Please stay safe and heathy during Covid-19. 


Thank you very much, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email : XXXX Tel : XXXX / XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX WhatsApp : XXXX Telegram : XXXX
Consumer complaint received 2019-07-20
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: AES/PHEAA (PA)

XXXX XXXX XXXX is reporting that it is late. Balance is reporting {$920.00} and the balance is currently is {$580.00}. I dispute it multiple time with XXXX
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CT)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX Date opened : XX/XX/ Balance : {$20000.00}.
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

After Capital One Data Breach that took place on XX/XX/2019, Capital One Bank sent me a letter requesting documents to establish my identity ( driver license, Social Security Card, Utility Bill and Bank Statement ). Since I have to accounts with Capital One I have submitted the same documents for both of my accounts. Capital One Bank validated my documents for my Neiman Marcus credit card and reinstated it, and accused me of discrepancy for the Capital One Venture credit card. I have called and asked for explanation as the same Bank can't make two different decisions, it is validated or not validated. I have also wrote to Capital One Executive Offices requesting their involvement in this matter but up until today I have not heard back from them. My documents are issued by the State and Federal authorities and their inability to validate them means I have forged the documents. And if so it means I have committed fraud by fraudulently establishing the account with fake documents. They contradict their actions by restricting my one account and reinstating the other. When I call to discuss the matter and request some kind of letter to state the reason for restriction they hang up the phone on me.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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