davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (IL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (OH)

I received a call about a debt from over 6 years ago. I do not recall the debt. The man on the phone gave me a company name " Buckeye Lending Solutions '' and I said I didn't know it and would it be under something else. He said " I don't know. Maybe checksmart or XXXX. '' He told me they were filing suit the next day if I didn't pay {$1300.00} but if I settled that day, they would expect half payment in full ( {$680.00} ). I asked him to send me proof or information and he said that he would email me confirmation after my payment cleared. 
I said I didn't have that until I get paid ( 3 days later ) He said that was fine but that he had to have a card number to approve it. I, regretfully, gave him my debit card information over the phone. 
I received a call from him 2 days later, reminding me of my payment. I then received another call on my payday, saying the charge didn't go through. My job switched payroll companies and our payday got changed. I was unaware but told him he could put it through the next day. He called me the next day 5 times in 1.5 hours saying my payment didn't clear again - even though I told him I was scrubbed in at work and unable to have my phone until I went to lunch between 11-1.

I called my bank and they had no attempted charges try to go through. He has called me again today but I believe this is a scam. 
I don't recall the debt, but it was a long time ago. He would not provide me with any proof, though I asked. He has harassed me at this point -11 calls! Then I XXXX the " law firm '' ( XXXX and XXXX ) and XXXX said it was just indexed in XXXX of XXXX  - 5 months ago! There is not much information on the website expect what types of debt they handle and one phone number- which just happens to be the only number he gave me or calls from. I have proof of my assumptions. I canceled my bank card but I don't know if this is really a debt I owe.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, 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. (FL)

I have pulled my report and saw these inquiries appearing that I did not authorize. Listed below are the inquiries that I demand to be deleted from my report. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Lender Inc (WY)

I took a {$550.00} credit builder loan from selflender, in the form of the loan going into a CD, then I recevie the funds when the loan is paid off and the CD matures. When I signed up, it was advertized have access to your money when the loan is paid off, and the CD matures. Well my loan was paid off early, and my CD matured XX/XX/XXXX. I have yet to receive my funds and it is now XX/XX/XXXX.  Ive tried calling and im given the excuse that it takes time to make sure everything has been paid as agreed. Well when I made my last payment on my selflender account online, it told me right away i was paid off, why so much extra time? Problem is, I planned a vehicle purchase around the return of this money to pay my tags on my new car. They come to {$540.00}, I am supposed to receive via ACH direct deposite XXXX.. More than enough to pay my tags. To me, 10 days is more than enough time to receive my funds. But because selflender is playing with my my money like its a game, I am now going to have penalty late fees on my tags, along with having to park my brand new vehicle that I'm making payments on because it can not be legally driven after XX/XX/XXXX, tomorrow.. So now my money I am suppose to receive is not going to be enough to cover tags and penalty fees together, along with not being able to drive a brand new vehicle being paid for by me. I'm loosing money at all angles here because selflender is playing with my money.. Im being told a total of 14days to receive my money. For an ACH direct deposit? Ridiculous. Who is compensating me for this loss? I can take take further legal action if needed.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CT)

I have a XXXX Business Checking, Personal Checking, and Personal Savings accounts linked online. Last month I noticed all balances were zeroed and nearly {$13000.00} had been taken from all accounts, including business and both personal accounts, with the transactions being simply listed as XXXX. I contacted TD and asked what this was about and could I please get any paperwork or information regarding this XXXX for my lawyer and was informed there was no information included with the XXXX, and was told it came through with no information on who what when where or why, just instructions to levy the account, there is no documentation we can provide. My lawyer has made calls everywhere and nobody bows anything about any XXXX, and I have not received any calls, emails, letters, or any other notices from anyone about the levy whatsoever. Also, since the XXXX, I have deposited around {$1100.00} into the personal account, and the balance is there and the account is active but Im unable to pay any bills from it, use my card or even transfer money between accounts. How am I supposed to survive or pay my bills? This is unconscionable, please help.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

I opened this account with Wells Fargo shortly after I moved to DC in XXXX to make it easier to withdraw cash because my XXXX XXXX XXXX XXXX card was not accepted at many ATMs in this area. The account I set up had no fees. Later that changed and so I attempted to close the account but was told that they would return the fees and stop charging. This happened a 2nd time but again they returned the fees and said that they would stop charging. Ive been very sick for the past couple of years suffering from XXXX XXXX and unable to manage my personal business the way I did in the past. But I learned that XXXX is once again charging fees! So I called but, unlike previous times, they did not offer to return the fees or stop them. I told the representative that I planned to file a complaint because I believe that this is deceptive and fraudulent and just plain wrong! Note : in reviewing my statements it appears that the monthly fees began being charged again back in XX/XX/XXXX.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

As I understand it in XX/XX/XXXX, I was dropped from doing business with Bank of America, I have been reported by them to XXXX  and XXXX XXXX XXXX Bank of America has prevented me from opening any account due to this action, I received NO DOCUMENTATION from Bank of America. 

I have been attending to my XXXX Year Old Mother who passed away in XX/XX/XXXX I have not been involved in banking matters with Bank of America
Consumer complaint received 2018-05-14
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: Paramount Recovery Systems, L.P. (TX)

I have submitted proper affidavit documents and statements and other important FCRA documents to XXXX under FCRA guidelines Section 605B blocking items that are fraudulent. These items were supposed to be dealt with within 5 business days, but it has been since XX/XX/XXXX and then again I submitted in XX/XX/XXXX. I have contacted XXXX, but a foreign representative is the only person I can work with and they just direct my call to another department. I believe they are just trying to exhaust me so I will give up on my fraud report.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I called XX/XX/2018 and the lady at Equifax told me that she had to reinvestigate for the 4th time ... In the meantime I have to wait to buy my husband a truck. Not only is my XXXX XXXX XXXX XXXX reporting wrong at 207 % over the limit, they are now saying that I have 3 accounts which is untrue.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (NE)

returned some of the equipment in XX/XX/XXXX to XXXX and the rest in XX/XX/XXXX also to XXXX, account not showing all returns bal should be {$540.00} instead of XXXX. I have called and visited the store on multiple occasions to resolve the issue
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

Theres an account listed on my report from credence resource listed on my credit report for XXXX XXXX this is not and has never been my account this is fraudulent. This is my 5thtime disputing this account only to have it removed from my Breaux and sold to another company
Consumer complaint received 2016-02-11
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

On or about XXXX I sent a dispute / cease communications letter to PRA. ( Portfolio Recovery Associates ) In XXXX, they started calling again and placed 8 calls to my number in violation of 1692 C ( c ) and 1692 D.. the XXXX Unfair Trade Practices Act, and XXXX debt collection laws. 

I contacted them and they stated that they were " looking for another consumer. '' This is false, since I live alone and have for 5 years. There is no " other consumer '' here.
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have been disputing this debt for a while now. I have provided proof over and over again that this debt was paid to the original creditor. The collection agency keeps going back on reporting this between XXXX and XXXX. Every time I dispute it they state it is paid, change the balance to {$0.00} and the debit to paid. Then I check my XXXX account the next month and the same debt is back as unpaid on the other credit report. 

I am not sure what my option are at this point, but this I NEED HELP getting this fix. It cost me the ability to refinance my car to a lower interest rate and it cost me a percentage point when buying my house. Do I have to hire an attorney to get this fix? PLEASE HELP!!!!!!
Consumer complaint received 2022-03-04
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: Upgrade, Inc. (UT)

I stayed at the XXXX XXXX XXXX in XXXX, ut from XXXX XXXX XXXX XXXX  due to a sewer backup in my condo. We stayed in rooms XXXX and XXXX and all room charges and pet deposits were to be paid by XXXX XXXX, who is contracted with XXXX to help with accommodations during the repair process. I was required to provide a credit card for " incidentals '' to be charged at checkout. When I checked out, I asked for a receipt and they couldn't give me one. When I saw that they had charged my credit card {$210.00} on XX/XX/XXXX, still during my stay, I called the hotel and they still couldn't provide me with any information. I contacted XXXX Corporate offices, and they couldn't get the hotel to respond to me and provide this information either, so my only recourse was to file a dispute with my credit card company. 

The hotel then told the CC dispute dept. that they had " tried to charge my card on XX/XX/XXXX but it had insufficient funds so they rebilled it on XX/XX/XXXX '' - they still didn't provide any documentation as to what those made up charges were actually for. The card company denied my dispute based on the information the hotel gave them. This is a blatant lie, because I was not staying at the hotel on the date they provided to the CC company.

After 3 different calls, including a supervisor, they said they could reopen the dispute, but that I needed to provide a receipt from the hotel, and there was no other documentation that would be acceptable, knowing full well I couldn't provide that information, because I didn't have it and the hotel refused to provide it. Essentially allowing the merchant to LIE to them about the charge, and siding with them, leaving me with no options but to pay over {$200.00} with no truthful explanation for the charge.
Consumer complaint received 2019-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My wife and I were discharged from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy Lawyer. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with Transunion and XXXX with XXXX ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and discharged in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. Transunion promptly deleted the entire account from my credit report. XXXX eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called Transunion and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

On XX/XX/XXXX the lease terminated on my XXXX XXXX vehicle and I returned it to XXXX XXXX in XXXX XXXX. Prior to returning the vehicle I had all body damage repaired and the car waxed and detailed so that it was in pristine condition. 
Per BMW, I called prior to make an appointment for the transfer. When I arrived I was informed that there was no appointment scheduled and that I would have to wait for someone to help with the transfer and paperwork. After waiting for 1 hour a staff member, XXXX, introduced himself and said he would take care of us. I gave him the keys and waited another hour for him to return with a single paper for my signature. After signing, he said that was all I needed to do and the transaction was complete. 
On XX/XX/XXXX I received a letter from BMW financial services in XXXX   that stated there was excessive wear and use of the vehicle that amounted to {$1300.00}. I am currently disputing the charges but the car is no longer local for me to contradict their findings. We acknowledge the additional mileage of {$240.00} but not the rest of the erroneous charges. XXXX XXXX did not do a final inspection with me present to testify to the presence of any damage or excessive wear and use of the vehicle. I understand this is a common practice when relinquishing a leased vehicle back to the Lessor. BMW was negligent in their dealings with me by not providing this standard of service. After questioning XXXX XXXX regarding the Excessive Wear and Use charges they informed me that they also provide a Pre Inspection Service allowing the customer the opportunity to fix any problems or future cost issues with the vehicle prior to relinquishing. This service was never mentioned to me nor offered. Instead XXXX XXXX called on many occasions prior to the lease termination date trying to get me to purchase the vehicle. Not providing this opportunity to me at the local dealership allows them to charge fraudulently later and prevents me from actively disputing their findings. I sincerely feel that because I did not lease a new vehicle or purchase my existing vehicle I am being charged fraudulently. This type of business practice is unethical and needs to be reprimanded as it is very unfair to the consumer. 
We have left messages yet have not received a call back regarding the issues.
Consumer complaint received 2015-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am being harassed multiple times each day by a debt collection " service. '' They insist on my providing personal identifying information in order to coerce me to pay a debt I do not have. I am over XXXX years old, and this is clearly elder abuse. Please make them stop harassing me.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (NM)

Goodleap contacted us in XXXX 2022 about a possible refinance of our current home mortgage. We were working with a representative named XXXX XXXX We went through the mortgage process and submitted all the paperwork. We ran into problems when it came time for the appraisal. The appraiser called us and said that Goodleap was asking him to remove items from the appraisal and he felt it was improper from Goodleap to ask him to do that without consulting us. We contacted the representative we were working with at the time, XXXX XXXX, and she assured us that everything was ok and that she would clarify the situation for the appraiser. The appraisal came in ( and he made a note that he removed items at the request of the loan company ) and then my husband received a document from XXXXXXXX XXXXXXXX through XXXX. It was a rate lock-in form and my husband signed his part of it. When I began reviewing the document I noticed that the loan terms had all been changed ; the amount was lower and we were no longer offered the cash-out option so I did not sign the document. Goodleap did not call us to explain any of the changes before sending the document. I feel that this was intentionally deceptive to lock us into a loan that we did not want. This issue, coupled with the appraisal issues, had caused me to submit this complaint.