davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
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. (TX)

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681
Consumer complaint received 2022-03-19
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. (TX)

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act and Fair Debt Collection Practices Act. I am filing this complaint for credit discrimination as aggrieved applicant against American Express for deprivation of right to credit as creditor in accordance with the Truth in Lending Act. I am submitting this complaint without any third party. I extended my consumer credit to American Express via good and valuable consideration of completed application form in exchange for consumer product XXXX XXXX XXXX American Express Card offer accepted for open-end credit for consumer purposes only. I have been negative impacted unfairly in my personal family and household affairs as I could not obtain the credit device as financial aid to acquire consumer goods, I also could attend my maternal siblings XXXX granduncle 's funeral legendary ceremony properly as I planned as a result of the unfair and deceptive act American Express adverse action letter dated XX/XX/2022, referenced as XXXX allegedly due to XXXX score obtained from XXXX based on unverifiable and uncertified rumors in bad faith 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and i request good faith reconsideration
Consumer complaint received 2017-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.
Consumer complaint received 2023-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to XXXX XXXX XXXX store to get a bed for my new place in XXXX. The store rep told me the bed I chose was on sale for {$1100.00} which was a great deal. Upon me signing everything to take advantage of the XXXX same as cash a bunch of extra fees were thrown in before me even getting the bed delivered to my home which now totaled {$1400.00}. The store rep told me dont worry about anything else and that it will show a balance of {$3300.00} but i only pay {$1400.00} which was still more than i originally agreed to. I was charged a delivery fee when the store told me it would be waived. Upon me calling XXXX to ask why my bed shows a balance of {$3300.00} they advised me that i was no longer enrolled in the 90 days same as cash and told me i would have to pay {$300.00} to be re-enrolled with the promotion. I was lied to and taken advantage of. This same bed is {$1200.00} dollars on XXXX and {$1100.00} on XXXX. I would never agree to over paying by an extra almost {$3000.00} dollars for a bed! The company knows they are wrong which is why they are offering to settle with me for {$1600.00}. The balance needs to be DECREASED to {$1100.00} the original amount and late payments associated with this account need to be REMOVED as well. You all increased the balance and that is INCORRECT! This is affecting my livelihood and ability to get approved for things in my life. THIS IS UNETHICAL PRACTICES!
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX continues to report to the credit bureaus an unverifiable account. 

I have disputed this account multiple times with the bureaus to no avail. 

I have requested proof of this account from XXXX and have not received a response. On XX/XX/2023, I called XXXX and they confirmed there is no account in their database, yet they continue on a monthly basis to update the account. 

Failure by XXXX & the credit bureaus to notate account as disputed within 30 days of notification is a violation.
Consumer complaint received 2022-03-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

It's unfortunate it has come to reporting these companies that are supposed to be reporting our credit fairly and supporting us. That said it has been well over XXXX months, just this month I spent {$80.00} in certified mail disputing. I have been providing clear and legal documents which I'll include. I have been getting the letters notarized by the state of Pennsylvania, making it a legal affidavit. I have been including more personal information they even need to identify me. All included in the files I attached, this is holding my life back and my family. I am so XXXX please help and hold these companies responsible for their complete lack of responsibility to uphold the law. I want this fraudulent information off my credit report immediately.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX # XXXX No authorization of law for my collection of information. 
no evidence or proof of alleged debt including specifically the alleged contract or other instrument bearing my signature. 
15 usc ( e ). 15 usc 1681
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

Hello my brother and sister in law wired me {$4000.00}. from their XXXX XXXX account in Oregon to help me through a tough time i am going through. Citi bank will not release the wire to my account. For 9 days they lied to me saying wells fargo was holding the wire. Then on XXXX I spoke to XXXX in the Citibank wire dept and she admitted Citibank was holding the wire until my brother in law gives them all his information including his passport #. He has supplied them with all the information and XXXX now said the compliance has all the time in the world to review the information and when they are ready they will release it to my account. She told me they did not tell me the truth because banks talk to banks not to customers. I want my money it has been 7 days and they will not release it.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2022 account went overdraft by {$49.00}. The account was brought back to positive within 24 hours. On XX/XX/2022 account went overdraft by {$36.00} at XXXX but I brought back to positive balance within a few hours. According to https : XXXX I should be allow to have 24 hours to bring my balance back to positive without being charged with any fee if I didnt overdraft more than {$50.00}. I was charged {$35.00} overdraft fee for both time. 

Ive reached out to TD bank and they said they cant refund the fee.
Consumer complaint received 2019-08-08
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. (IL)

XX/XX/2019 received and email alert from Experian that my credit score decreased by 25 points. 
I called them right away and first numerous attempts I could not get past the auto/robo menu. finally figured out how to contact a human but got hung up on 3 times and after that transferred 5 times. 
I asked for a manager and talked to " XXXX '' about my credit score dropping by 25 points for no reason. 
balances were XXXX, no late payments ( always on time ), not crossing the 30 % balance. no new accounts/inquiries nor old accounts that have been closed. 
He informed me that he could not do anything and that I should call all my lenders, FICO and a licensed adviser.

My lenders, FICO and adviser all stated that Experian should definitely be able to look into this and to see why my score dropped so significantly, FICO even mentioned this was incorrect information and 'bogus '. 
I called Experian immediately after all this information. and luckily ( or oddly ) enough I got the same supervisor on the phone and he again stated the same thing and that he could not do anything for me and it's blamed on the FICO ( Fico8 ) algorithm.

" talk to a financial adviser '' Strangely enough my FICO 8 score at other credit report agencies have not seen a huge decrease, they actually remained stable or increased versus what happened at Experian.. 
Tried to call once again for last time to see if I could get any information but to no avail.
Consumer complaint received 2022-03-19
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: Manhattan Beach Venture, LLC (IL)

Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Consumer complaint received 2019-08-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: John C. Heath, Attorney at Law, PLLC (NC)

Received an email threatening legal action about a payloan I never received. 

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXXXXXX XXXX  To : XXXX XXXX XXXX Subject : Immediate Attention Required ( Lawsuit ) Importance : High This is the final notification regarding your loan account with XXXX  XXXX XXXX. 
Loan Account # XXXX Due Amount- {$1000.00} Settlement Amount- {$500.00} ( Till XX/XX/2019 ) We already contact you several times regarding your unpaid loan account but failed to receive any response from your side. 
As of now, we are ready to file a lawsuit against you and report this to major credit bureaus and also inform IRS regarding this lawsuit. 
You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 
2. Your credit will be ruined. 
3. Your wages can be garnished. 
4. Your bank accounts/credit cards will immediately freeze. 
5. IRS will put a hold on your Tax return.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

I 've submitted multiple cases via Coinbase website, I was told that " they 'll follow up with me. '' I have yet to receive any information regarding my case ( s ). They disabled my account due to me verifying ID and address. I sent them my photo ID and address and I 'm still locked out of my account. I also contacted Coinbase Support via XXXX on X/X/2017 ; they replied with " A specialist will follow up with you soon. '' It 's almost impossible to get support from them. I 'm trying to remain calm and patient, but it 's frustrating when I have money in there that I ca n't manage. Coinbase is a solid app overall, but the customer support is unacceptable.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates is on my credit report. I call them. Talk with XXXX. He gave me some info saying XXXX XXXX send my debit to collecting for a 2017 ER visit. I ask for a copy of the statement to be mail to me. He tells me I can get it email. We then continue to talk about a XXXX. XXXX XXXX End of call. No money send. 
I received an email 2days later. 
XXXX XXXX XXXX XXXX - XXXX Wakefield & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Direct XXXX ( this email change to a XXXX strand now ) Look at there website. Headquarters is located in XXXX 
I reach out to care point talk with an employee who was kind enough to help. My account is Zero balance. The guy also mention they dont do business with Wakefield & Associates . I ask for copys to be mail to me. 
When this information, and the address. On the website shows they are open.I figure I go talk with someone at the headquarter office. To get it resolved. I arrived to the location.I go up stairs. To my surprise the building is abandoned. I call them. Still no resolution
Consumer complaint received 2022-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NV)

i received a phone under caller id XXXX collection and i called the number listed XXXX XXXX XXXX and certain dynamic solution looking for my name XXXX XXXX then i called XXXX credit XXXX XXXX XXXX XXXX and was told that there was someone fraudulently used their name as caller id and as far as im concern my credit is in good standing would like to report some fraudulent activities about the concern company using others caller id to scam
Consumer complaint received 2022-08-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates (GA)

Stafford Group has contacted several family members, work, etc. demanding money for a collection account for the entire month of XX/XX/2022. My personal vehicle was brought up as a threatening tactics to try and scare me. Did research on this company and have found several negative reviews of this being a scam company the XXXX has lots of complaints from this company including a website that redirects you to XXXX Validation letter from the company has never been received with break down any debts own.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (CA)

This is XXXX XXXX submitting yet another CFPB complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit Report. It has been drawn out into the open that the Credit Reporting Agencies are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-19
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: General Motors Financial Company, Inc. (IL)

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2018 to the compant. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens. Amount {$600.00}, Date opened. XX/XX/2018.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MI)

The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.
Consumer complaint received 2023-06-09
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. (VA)

XXXX XXXX. Last month 12 days reporting my account 30 days delinquent last month after I payed approximately 1,5 hours past midnight on late day due to work schedule. Have yet to inform credit rating agencies of account being up to date. Payed full amount of {$940.00} on XX/XX/2023. The total payment equals my usual {$910.00} mortgage and escrow plus late fee of {$27.00}. As of today my credit tracker XXXX has posted no updates since XX/XX/2023 when a second credit rating company received notification of my account delinquency. First company notified on XX/XX/2023. As you should be aware XXXX has already settled a class action lawsuit for violation of FHA terms in regards to charging fees for FHA mortgage payments. Since no government agency will take any actions against them, they obviously feel no obligation to follow any other governing FHA terms. Furthermore a representative of XXXX XXXX attempted to harass me, by calling and leaving a message on my voicemail, without my consent, to contact them via phone, after I inquired via email which of their corporate partners had been jailed and why they were still a FHA mortgage provider after violations pertaining to FHA policies and charging customers fees for mortgage payments.
Consumer complaint received 2022-08-27
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: Professional Debt Mediation, Inc. (FL)

I reached out to Professional Debt Mediation about 2 weeks ago asking them to verify a debt that I allegedly owe that they are reporting on my credit report. They could not provide me with that information and are still reporting the account on my credit report which is effecting me negatively.