davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

Since XX/XX/XXXX I have been receiving daily phone calls around XXXX CST every day from Midland Credit Management. They call from a different number every time. I have tried answering the call but it is silent when I pick up the phone. This is straight harassment. I have never received any notice from midland about a debt nor am I aware of any. For some reason these calls get through my XXXX spam protection. This has to stop. This is harassment and has to be illegal
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I was informed by an American Express customer service agent that they report to the credit bureau every 60 days and not every 30 days. I was financially impacted by Covid 19 and was unable to work for several months. My accounts with AMEX were under the Pandemic Protection Plan which has now expired. I asked if my account would be reported as 30 delinquent if payment wasnt made by the due date. I was informed that I would not because AMEX report every 60 days and my score wouldnt be impacted. I received a credit alert from XXXX  saying that AMEX reported XXXX  as 30 delinquent.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal credit union closed my credit card account while I was on XXXX XXXX status due to my past credit history which I tried to explain has since been improving and closing my card would actually hurt my credit score. I also explained to them that Ive been making timely payments so I couldnt understand why they would decide to close my account. It saddens me that a bank thats supposed to help military and uses military as a marketing scheme is actually a lie especially when Ive been a member for years and if they actually looked past my credit score would see that ive been making timely payments to all credit cards that I own.
Consumer complaint received 2021-03-17
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. (CA)

There are three accounts on my credit report that do not belong to me all three bureaus have these accounts on them. I have sent them multiple letters to no avail I need to know why this is not being taken care of. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Consumer complaint received 2018-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an old " hard '' credit inquiry listed on my credit bureau reports that is 2 years old and needs to be deleted. It is an inquiry from XX/XX/2016

The company that is reporting the credit inquiry is Capital One Bank.

This old information is hurting my credit score and my ability to find a job, obtain a loan, or rent an apartment.

It is listed on my XXXX, XXXX, XXXX, and XXXX  credit bureau reports.
Consumer complaint received 2018-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Recently I was scammed for buddy pass tickets for XXXX XXXX. The scammer had me use XXXX through Wells Fargo which I believed to be secure but indeed is not. The bank incorporates XXXX in their mobile app and make it seem like it's a transfer feature between people with the same bank. They make it seem secure and trackable. The bank does.not care that this is happening nor are they cooperating. I did a lot of research on the identity that the scammer used. I eventually got in touch with the real person who's identity the scammer was using. He claims it's a huge on going investigation and he gave me contact info for a Detective XXXX XXXX. The banks should not be backing XXXX. It is misleading by having it incorporated in their mobile app and they seem not to care whether I told them I was scammed. They should reverse the payment and also provide the receiving account details to the Detective.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

I go into my equifax account and attempt to lift my freeze and it gives me an error saying it can not get the status of my freeze at this time. The site gives me a phone number to call in order to get help, I get a call center in XXXX and have been told 4 times XXXX over four different days ) that their system is down and I need to call back. Two of those three times I was just hung up on after 30 minutes of holding. I am trying to finance a XXXX 's loan which requires the reports of all three reporting agencies and equifax is hold up my financing and is about to cause me to lose locking in a rate of XXXX percent. It is not fair that a company has this much influence on your finances but is not held accountable when they ruin them.
Consumer complaint received 2021-03-17
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. (CA)

There are three accounts on my credit report that do not belong to me all three bureaus have these accounts on them. I have sent them multiple letters to no avail I need to know why this is not being taken care of. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-16
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. (FL)

The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I do not have contracts with these company and did not agree to pay any money to them. Its a FRAUD! This wrong information badly effecting my life planning. Therefore, the following information needs to be reinvestigated and delete after your investigation all the items!
Consumer complaint received 2021-03-17
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. (PA)

I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against me.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (KY)

The credit collection agency is stating this debt occured when I was not a resident of the state, nor had I been medically treated in that state at the time of the bill. It is apparently an emergency room bill for my daughter that should have been billed to insurance via the hospital. The hospital stated several times they resubmitted the bill for insurance. IF this bill occured while I was residing in the state, it would have been during XXXX which is outside the statute of limitations for Pennsylvania medical debt. 

The credit agency purchased the debt though XXXX XXXX XXXX. The collection agency is violating HIPAA regulations and privacy protections by having additional medical information and detailed documentation that they are not authorized to obtain.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DAS Inc (CA)

In XX/XX/XXXX, a judgement was made against me for 2 months of back rent. I was unable to pay for many years. In XX/XX/XXXX, a creditor began reaching out to collect on the judgement. In XX/XX/XXXX, the judgement automatically expired, according to California law. The judgement was not renewed by the creditor prior to expiration. On XX/XX/XXXX I let the creditor know that the matter had expired and asked them to cease and desist collection efforts. On XX/XX/XXXX, they contacted 16 people I know asking for financial records, as well as my current landlord asking for financial information about me.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

PHH Mortgage ( Based in NJ ) - I refinanced through XXXX XXXX XXXX late 2020, my mortgage was then sold to PHH mortgage. PHH requires signed " ammendments '' to be able to make online payments. I have sent these amendments multiple times ( signed and completed ) - if you do not sign them they require a XXXX XXXX XXXX or a check ( this isn't the 90 's, I don't have a check book or time in my day to figure out XXXX XXXX  ). I have sent the amendments 3 times this month and my account is not updated. They are now calling me saying I have late fees. They will not take payment over the phone and they will not update my file. I have spent hours on the phone with them and they will not fix it. This is a common issue with PHH ( read the reviews ). This is going to negatively affect my credit score. I am trying to pay but they simply will not let me.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to Equifax, XXXX, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report
Consumer complaint received 2022-01-03
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: JPMORGAN CHASE & CO. (CO)

I have reached out to XXXX several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
Chase auto said they did not report it as late payments. 


Also JPMCB Chase Auto, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall chase and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am not liable for any debt with XXXX XXXX Accounts, XXXX, and XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us, this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. account. 

This is just not fair.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: VALLEY NATIONAL BANCORP (NJ)

Valley National Bank has not closed my credit card despite 17 ( seventeen ) attempts to contact them. We have called their credit card dept between the hours of XXXX and XXXX EST. They never answer.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (DE)

On XX/XX/2020 a collection account was placed on my Transunion, XXXX and XXXX  credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.
Consumer complaint received 2021-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I applied for a loan online @ Speedy cash on the XXXX of XX/XX/2021 in the amount of {$750.00}, the 1st payment of {$210.00} was withdrawn from my account on XX/XX/2021, I called the company today to get the payoff amount today, and I was told that the payoff amount was {$960.00}. I asked how in the world could the loan payoff be {$960.00} after less than a month of the loan after a payment of {$210.00} and the Customerservice representative start trying to explain a bunch of garbage that still didnt make sense, especially since the phone connection was very bad, I clearly didnt expect this when I took out the loan. Please check into their loan practices, because this should not be legal.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department. I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. 

I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. 

I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. 

I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.
Consumer complaint received 2021-03-17
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: National Consumer Telecom & Utilities Exchange, Inc. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX