davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (VA)

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXXXXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX Inquiry 11. XXXX XXXX 12. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX  weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Tried to use all my American Express cards today after 20 years never late great credit American Express agent stated for abusive language on XX/XX/XXXX first was said I was in collections I asked what was said he did not know and referred me to a toll free number left 4 messages no responses from American Expess No notice at all totally closed 8 of my American expesss cards Mind blowing since I did not use any abusive language and agent could not verify Out of the blue closed everything after 21-22 years Canceled
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Back in XXXX, i purchased a house, the lender was country wide mortgage only at closing did i found out my interest rate was 12 % adjustable note. After about a year later i got a letter informing that Select Portfolio servicing had taken over my loan. I have struggling so hard to keep my home or sale it to get the equity out of it for my senior years. I put {$50000.00} down on this house. Back in XXXX, a company identified Select as a predatory lender and got 4 years without paying any notes. In XXXX they came back with a vengerence my notes was {$1200.00} a month and every year it kept getting higher and higher. I tried to refinance during this time but they had a very negative report on my credit report so i could not get it refinance. I been during everything i could to hold on to my house. Back in XXXX they tricked me into a modification loan which almost doubled the amount of the loan. All these years none of my money went to the capital just interest. Back in XXXX a class action suit was filed against countrywide mortgage for charging XXXX XXXX higher interest rate on their homes. i am one of those people. I called them, they said that was for Florida residence, but that did not stop them for using predatory tactics with me all these years. They are once again threatening forclosure, sale date XXXX XXXX XXXX which they have changed several times on me. They offered me another modification, {$950.00} for three months after that they will set a new amount. I am on Social Security. I get {$1300.00} a month I do not want to lose my equity, so I sent in the first payment for XXXX XXXX, XXXX. They have a predatory lender from day 1 of my loan. I need help. I think i need to be compensated for all these predatory lending practices. XXXX XXXX are the private investors on this loan. After many lies from them, I finally talked with them. They said the only way to get my home is to do the modification for the next 40 years. I would be with them for al total of 60 years.
Consumer complaint received 2022-08-28
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. (PA)

Pursuant to 15 USC 1681 ( u ) The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; XXXX, XXXX and Transunion all are resellers of my consumer report without my written permission XXXX, XXXX and transunion have each allowed, provided & furnished false and misleading information in violation of 15 USC 1692e2A XXXX was instructed to remove the installment accounts and only removed 3 None of the consumer reports are matching or reporting the same information. 
Consumer is demanding removal of all accounts listed on the consumer reports and removal of the consumer report from their platforms
Consumer complaint received 2020-02-11
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. (CA)

I disputed an account with Experian and the collector on XX/XX/2019 but they keep verifying it. XXXX XXXX XXXX XXXX attempts to collect {$16000.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. They hurt my credit and I can not qualify for any loan.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This complaint is regarding potential fraud by two credit reporting agencies, XXXX and Experian. 

In applying for a new mortgage it came to my attention that credit reporting agencies are providing one FICO score to me as the consumer and a different, lower score, to the Mortgage Lender. 

XXXX provided a FICO score of XXXX to my XXXX XXXX XXXX XXXX XXXX account on XX/XX/2020, and a FICO score of XXXX to XXXX XXXX mortgage on the same day. 

Experian provided a FICO score of XXXX to my XXXX XXXX account on XX/XX/2020, yet it provided a FICO score of XXXX to a different part of XXXX XXXX ( processing my mortgage application ) on XX/XX/2020. 

It appears that these two credit reporting agency has one FICO score that is available to the consumer and a lower FICO score to creditors.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

on XX/XX/2019 someone tried to take out a loan using my information with XXXX XXXX  XXXX/XXXX. i have tried numerous times for XXXX to send a letter to me and the credit bureaus to get this hard inquiry off my credit report and XXXX agrees it is fraud and states they have sent letters to me and the credit bureaus, but no one has received them. i have to have this letter to remove it from my credit and no matter how many times I call XXXX nothing gets resolved.
Consumer complaint received 2020-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: KEYCORP (RI)

We have a small business loan with Key Bank. I am told that I need to reach out to the local branch, which is located in XXXX, CT. In XXXX, I spoke with XXXX of the branch who did not know what I was talking about. I stated I needed a payment history and a letter of good standing so our condominium complex could be re-certified by FHA. I finally spoke with a woman in business banking at the Ohio office who did mail me the account history, but she stated I needed the letter of good standing from the local branch and she would reach out to them on my behalf. That was just over 2 weeks ago. 
I phoned XXXX in XXXX, CT at KeyBank today at XXXX XXXX  and was told she was at lunch. I asked for a return call. I called them again at XXXX XXXX, XXXX stated she was leaving the bank and was going to have her manager take the call. The manager, I think her name is XXXX got on the phone, stated she was with a customer and would call me back. I told her right out that I needed this letter yesterday and if they did not call me back or resolve this major issue, I would call the banking commission. She did call me back at XXXX XXXX  while I am writing this complaint, which I did inform her I am writing. The branch states they do not do a letter of good standing, She again states she can not get this letter to me.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (MI)

Reached out to Experian multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Experian has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Experian did not have permissible purpose to report anything to my consumers credit report. Experian received information from someone other than myself. Thats aggravated identity theft! Experian also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Experian must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I received a cheque from my roommate totaling {$11000.00} to reimburse me for booking a residence in California for a few months. A day after depositing the cheque, I received an alert from Chase Bank that my checking account is being suspected of fraud, and that a restriction is placed on the account. Additionally, the account is subject to close if I do not contact them. Immediately after receiving the alert, I contacted Chase Bank to resolve the issue. They told me that to remove the restriction on the account, they must contact the maker of the cheque ( my roommate ) by providing them with his phone number. After doing so, they said that the number I provided does not match my roommate 's name in their database. They claim that the only possible way to remove the restriction is to provide them with a phone number that they can verify in their database. 

I tried to suggest the following solutions : - My roommate and I come in to a Chase branch together to verify his identity. Chase told me that this is not possible. 
- I want them to provide me with more information on steps I can take to ensure that my roommate 's phone number can be verified in their system. They refused to give any details on this. 
- My roommate is also a client of Chase, so they should have his information on file to verify. However, since he sent the cheque through XXXX, they said this was not possible. 

Additionally, even if my account is closed, I've been informed that I will still not be able to receive my funds until I remove the restriction on my account. I currently have around {$15000.00} in this account, and if this issue is not resolved, I will be losing that full amount.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BBVA FINANCIAL CORPORATION (NJ)

Several weeks ago I received an offer from BBVA USA to open a credit card. The advantages of the credit card were that I was to receive a {$100.00} bonus if I spent {$500.00} in the first 3 months that the card was opened. In addition I was to receive points equal to 3 % of a bonus category of spending which in my case I chose healthcare. When i went to open the card I was offered an additional bonus of points worth {$50.00} for opening a checking account which I did. 

Several days ago I made my first purchase on the card of {$130.00} for a doctor bill and all seemed well. Earlier this week I then made a chare of about {$3500.00} for a hospital bill and my account was blocked. Today, XX/XX/XXXX, I was directed to the fraud department and reported that the charge was one I had authorized. I was told by the fraud department that I needed to submit a very large amount of documentation to prove my identity to unblock my account. I also received indication that I would not get my bonuses unless I unblocked the account I feel very much that this is a bait and switch. If I knew I would have to submit the amount of documentation requested I would never have opened the account nor used it. I also feel that I was incented to use the account for my medical bills and that as soon as I used it the account was blocked which has clearly used up my available credit and given me a card which is now useless to me. 

I also feel that this may have been now for the sole purpose of not only denying me the use of the credit card and hurting my credit rating but also so the bank does not have to pay me the bonuses which I have earned which include the {$100.00} for opening the account and spending {$500.00} within 3 months, the {$50.00} for opening the checking account and the $ XXXX I have earned for the 3 % bonus for the amount I have spent on the account.
Consumer complaint received 2017-08-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OK)

First of all I do not have any bad credit. What I do have is several good accounts that is being held on my account for 10 or more years that are paid out and closed..I began asking question as to why they kept this on my record so long. I wrote several companies and ask them to remove it. I did not say it was wrong just wanted it removed. They would then put it on my credit that I filed a dispute, which I did not I just asked them to remove it. Since starting my inquiries my credit score as fell from XXXX to XXXX I can see this on my XXXX XXXX. XXXX told me they got the info from Experian Credit reporting company. I wrote experian for a explanation and they would only send me a new report they would not answer my question as to why it dropped. The issue Experian is keeping things on my Credit for 10 years even though it is closed and has never been late. I called XXXX and they told Me it was Experian that controlled that aspect of the report. I called your agency and your rep told Me that even disputes can not affect my Credit Score. Each statement I receive from XXXX show a drop of 5 to 10 point for several months.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

CREDIT MANAGEMENT LP Added a collection notice to my XXXX credit report, I have never owed a dime to this company nor charter communications. 

I want this to be removed as soon as possible, charter services are not even offered in my zip code, this is preventing me from succeeding on my house mortgage approval and I do not owe them anything. 

I called them twice already and they can't give me any information on this account because my information doesn't match the account and yet they are reporting this to the credit bureau which is illegal, how can you report an account to a person that you cant verify this is the second time a collection from XXXX XXXX appears in my credit by different collection agencies. 

I have attached the letter from XXXX.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IN)

I applied for a credit card today. I was denied access to credit with the reason " not approved at this time because : you have recently been past due '' I found this odd, I don't believe I have been late on a payment so I pulled my XXXX  credit report to verify. I looked through all 26 pages and not one late payment reported. I would like to know who is approved and ensure there is no discrimination because the reason I was denied is inerrant so there is a different factor weighing into the decision.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

In XXXX. I opened my fathers account up at Wells Fargo for his direct deposit from social security and to pay his bills. I am his legal p.o.a. because he is in XXXX XXXX because of XXXX. Now 2 months later they tell me that his accounts will be closed if i dont produce his s.s. card byXX/XX/XXXX Dads card was destroyed from going thru the washing mach. When i opened account I produced his last 8 yrs of his XX/XX/XXXX form 1099 and his last 8 yrs of IRS tax returns. I also showed them his XXXX XXXX  papers from XXXX XXXX that has his military ID #. I signed his direct deposit papers for his social security check. Wells Fargo says that is not proof of s.s. number and is the reason for closing account. Social Security has deposited 2 checks into this account and i have set all his recuring bills to this account. I have ordered and paid for checks for this account. I also let Wells Fargo Advisors to handle his IRA account at the same time of opening his checking account. Every penny of my fathers money are in these accounts with Wells Fargo and now they want to close accounts. I been trying to get my fathers replacement card but could not do online. I have to do in person with social security and have an appointment set up to handle this. And then I was told that it takes 4 to 6 weeks for the card to be processed and mailed to me. There is no way possible that i will have his social security card by wells fargos date that they have said the accounts are closed. I believe that there is plenty of proof of his social security number. If everything was not right with his number social security would not be direct depositing the money. I have furnished 19 different official forms from 3 different government agencys all of which has my fathers full name, address, and social security number on them. The ss number has been proven many ways. All the documentation was good enough in XXXX for WellsFargo to open the accounts. It was good enough for Wells Fargo advisors to get dads IRA from XXXX XXXX. All of this proves the number is good. Wells Fargo is being completely unreasonable about the time frame for producing the card. I have done all that i possibly can do. It is not my fault that social security is only taking appointments because of XXXX. I need enough time to go though the procedure to get the card. The accounts have been being used for 2 months with no problems.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (VA)

I received a letter in the mail from Phoenix Financial Services saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my XXXX in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

On XX/XX/XXXX I received a notice that from XXXX that a collections was added to my credit report. I contacted Diversified Consultants and requested information about this account. They informed me that XXXX instructed them to add this collection to my credit report. This account was previously disputed in on XX/XX/XXXX and was verified as paid by XXXX and was removed from my credit report. On XX/XX/XXXX I contacted XXXX to establish new services and inquire about this past due account. The customer service rep informed me that there was no balance due on any past due account and that she made sure to remove the account from my records with a balance of XXXX. This was reported to Diversified Consultants on XX/XX/XXXX but they stated that XXXX was the one who reported to the credit bureau and not them and they refused to remove the mark. I spoke with the XXXX collection department who verified that no balance was due. They stated that they would file a ticket to stop the collection company from contacting me. They also informed me that XXXX does not authorize anyone to post on there behalf. XXXX also created a complaint ticket against the collection agency to stop them from trying to collect on this account and to provide proof that the account has a XXXX balance. The ticket number with XXXX is XXXX. The balance has been report as XXXX since the account was closed and the equipment was received.