davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NJ)

On XX/XX/XXXX I applied for a DISCOVER IT CASH BACK CREDIT CARD through the website for Discover.com of the Discover credit card company to pay for my tuition. The company advertised a 0 % introductory APR for 18 months on purchases and balance transfers, an ad which remains on the company website till this day XX/XX/XXXX when I file the complaint. I was reviewing my most recent credit card statement when I observed the 0 % introductory APR period only lasts through XX/XX/XXXX. 
I immediately placed a call to the Discover customer service number ( XXXX ) available through the company 's mobile app. The first representative I spoke with mumbled some words I could not discern during the call and I assume hung up on me. The second representative told me there wasn't anything she could do for me and I asked to speak to a supervisor. She transferred me to a supervisor who mentioned that there wasn't anything she could to for me either that the system offered me what it offered me despite an ad which detailed 0 % introductory APR for 18 months on purchases and balance transfers. She then proceeded to ask me to open another credit card and maybe I can transfer the balance to a new Discover credit card.
Consumer complaint received 2022-03-21
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: DISCOVER BANK (NV)

On XXXX, XXXX, 2022 I received 2 notifications about hard inquiries into my credit file. One was from XXXX, and the other was from Discover. Ive placed all credit bureaus accounts on freeze and also placed an alert.
Consumer complaint received 2020-03-12
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)

On my TransUnion credit report I have two creditors reporting the same account. The original creditor is XXXX XXXX XXXX  who sold the account to XXXX XXXX XXXX. Now I have this same account reporting negatively on my credit report twice.I disputed this earlier in XX/XX/2020. I called them today XX/XX/2020 and they resolved the dispute as correct as if the creditor who no longer owns this account can report this account as collections. Now I have the same account in collections twice, I resubmitted the dispute questioning the authority of XXXX XXXX XXXX  to collect this account, since they dont own this account they should be removed from my credit report. I called XXXX  XXXX XXXX  and they said that they are not reporting this account because they no longer own the account. I am at the middle of the two companies and my credit is hurt from this. I will pay the current creditor but the old creditor needs to be removed from my credit report. TransUnion is overlooking the dispute and is just calling XXXX  XXXX to verify the account as accurate, not verifiable as this account is no longer owned by them but by XXXX XXXX XXXX.
Consumer complaint received 2020-03-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Consumer complaint received 2023-01-24
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/2020 Attempted to temporarily lift a credit freeze from all 3 credit bureaus using their websites in order to allow mortgage lender to check credit. None of them worked in spite of confirmations received that the freeze was lifted. Lender was unable to check credit. 

Calling them is difficult and frustrating. Their verification questions are old and improperly done. For example ; " which of the following was one of your employers? '' My wife and I were XXXX XXXX XXXX  but one of the choices was " XXXX '' which neither a word or an " employer '' so when you answer none of the above the whole online process ends and you have to send a form via snail mail requesting a pin which is returned to you via snail mail. This introduces significant delay and potential increases in loan costs. 

These companies have total control of our lives when it comes to credit. Their systems are archaic, call centers staffed with agents who are difficult to understand and their processes are very inefficient. 

They are not government agencies but they in effect have authority approaching that of the IRS as they can control everyone 's financial life. Far too much power to rest with 3 companies with no recourse to hold them accountable to the people whose lives they affect.
Consumer complaint received 2023-01-24
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 my Bank of America Edd card was frozen since EDD had to verify my identity. I completed all the documents and on XX/XX/2020 EDD confirmed my Identity and I was able to certify again and continued receiving benefits which they were sending me checks since my debit card remained frozen. I started calling Bank of America and they told me I just had to wait for EDD to send them an email and ask to unfreeze my account. Ive called hundreds of times and I get told the exact same thing, either that EDD hasnt send them a release form for my card and that I need to contact EDD or to keep waiting. Ive contacted EDD and they said everything is good on their end and theres nothing else they can do. Just a run around pretty much. They both blame each other and nothing has gotten resolved. My card had funds and I cant access them since my debit card is frozen. I had to pay taxes on money I dont even have!
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I received a letter from Debt Recovery Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor XXXX. I never opened an account with XXXX or apply for a loan.
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Everest Receivable Services Inc. (CA)

To who it may concern, This man called me today, sounded very serious and knew all my information, saying that my XXXX account that was closed for no use has XXXX XXXX dollars that I owed and now the bank sold my account to a dept collecting agency that is calling to clear my name. I was nervous specially because I just got rejected from applying for a new XXXX  credit card. They had detailed information about when the last time I used my card was and I was in the middle of the work and they were not giving me information about where this XXXX XXXX dollars were coming from so I hung up. They had my email so they emailed me, I am scared they will use my information incorrectly, I am not even sure if I gave my last 4 digits or not. After talking to XXXX they confirmed that that was fraud. I am terrified and I don't know what to do. XXXX staff told me to contact you and share their emails, phone numbers : XXXX XXXX emails : XXXX and XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX Transfer Confirmation # XXXX from Bank of America checking account on XX/XX/2021 in the amount of {$3000.00} to XXXXXXXX XXXX checking account. 

On XXXX XXXX, 2021, email communication to President and CEO of Bank of America to seek help for the reimbursement of {$3000.00} which we never received the reimbursement to date.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I am requesting inclusion in the Wells Fargo settlement as a result of the CFPB complaint. I was a mortgage customer who was unfairly turned down when I requested a modification to the loan to avoid foreclosure. 

The loan was initiated on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Approximately one year later Wells Fargo took over the ownership and management of the loan. The property address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, NY XXXX. 

Due to a reduction in household income as a result of my retirement and a divorce, I found it necessary to request a modification of the loan in XXXX. Although repeatedly assured that I qualified for one of their modification programs, I was repeatedly denied a modification, from XXXX through XXXX. During that span I was frequently encouraged by the bank to reapply for a modification and then denied. The property went into foreclosure and was sold. 

Had I been told, when I first requested a modification in XXXX, that I did not qualify for any modification program, I could have taken alternative actions to avoid foreclosure and bankruptcy. 

Wells Fargo claimed that the type of mortgage I had could not be modified, and used that as the reason for denying the modification. Despite that denial I was encouraged to reapply for a modification. During my bankruptcy hearing it was proven that the mortgage I had could be modified if Wells Fargo chose to do so. Wells Fargo did not deny this judicial conclusion. 

I have previously filed a complaint with CFPB for this same issue.
Consumer complaint received 2022-03-21
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. (NV)

On XXXX, XXXX, 2022 I received XXXX notifications about hard inquiries into my credit file. One was from XXXX, and the other was from XXXX. Ive placed all credit bureaus accounts on freeze and also placed an alert.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CT)

My problem is with a company called ECMC ( Education Credit Management Corporation ) their address is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX. Their phone number is ( XXXX ) XXXX. This company is harassing me they sent my past employer a wage garnishment on XX/XX/XXXX trying to garnish {$6000.00} of federal student loans without a court order and also sent me a statement on XXXX XXXX stating I owe two student federal loans from service lender provider XXXX XXXX XXXX in the amounts of {$3300.00} and {$3000.00}. Ive contacted XXXX on XX/XX/XXXX they said these loans were cancelled and show a XXXX balance. I also requested a statement from XXXX to prove that these loans were cancelled and I do not owe this debt.I contacted Dept of Education several times from XXXX, XXXX and XXXX and explained the story to them which they did not help me at all but they are aware of the situation. ECMC is ILLEGALLY reporting these balances to the XXXX credit agency even after I disputed these transactions twice which I have proof as I kept the dispute reports. At this point this company is taking old student loans that were cancelled or paid off and trying to extort money from people. I've done research on my own and they have been sued several times and there are several complaints filed, websites are XXXX and XXXX. These loans are currently with XXXX XXXX XXXX which I called them today XXXX XXXX explaining everything. At this point I'm not sure what I can do but action needs to be taken. I have a whole file of paperwork from ECMC and XXXX to prove my case. This is a CRIME that needs to be handled innocent people are getting ripped off and the government is doing nothing about.
Consumer complaint received 2020-03-12
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. (GA)

On XX/XX/2020 I sent dispute letters to XXXX, XXXX, and Equifax because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-03-12
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)

My information has been compromised and used without my consent. There has been many credit accounts that I do not recognize reporting erroneously. None of these accounts have ever been used or solicited by me.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I noticed six pending transactions, each the amount of XXXX dollars and XXXX cents in my chase mobile app after I got off of work, all from the merchant XXXX XXXX. I tried to dispute it in the mobile application but it would not allow me to while it was still pending. I immediately locked my credit card and reached out to chase to report the incident and request a new card. 
On XXXX XXXX I received an update letter in Chases mobile app titled Update : we completed our review of unauthorized transaction ( s ) on your account that stated, We removed the above transaction ( s ) from your current account and have issued credit ( s ) for any related interest charges and fees. The previously issued credit ( s ) are now permanent. 
The following day I received a phone call that stated the Fraud Department had changed their mind because I have used my credit card at that location before and therefore it is valid because the merchant already had my card information and told me to contact XXXX to get it resolved. Following that phone call the charges were reposted to my account. I called back to express that I moved in XXXX and no longer live near that store and that I was working when the charges were posted, they offered to review it again. I even emailed my work schedule to XXXX prove that I wasnt anywhere near the store when the purchase ( s ) happened. 
On XX/XX/XXXX I received another letter in the mobile application titled Update : We reviewed your fraud claim again ; heres what we found. Where Chase banks new resolution was that the charges were valid. No reason was listed in the letter. 
On XX/XX/XXXX I spoke to a store employee and they gave me the phone number of XXXX customer relations. I called and they said that XXXX can not do anything to prove fraud and I would have to contact the bank.