davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-09
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Allied Collection Services, Inc. (Nevada) (AZ)

Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc
Consumer complaint received 2023-04-10
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

At approximately XXXX XXXX EST on XX/XX/19, I called XXXX. 
The automated voice system would not let me speak to customer service. I only validated the last 4 digits of my social security. As I repeatedly asked to speak to customer service, the automated voice system activated a replacement card without my consent.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Conduent Incorporated (NV)

Way2Go LIED! I have been told that there is NO direct deposit for NV unemployment benefits. FALSE. A LIE! I have been in touch with another individual on NV unemployment and he has access to direct deposit. I haven't had any issues with direct deposit so far. I am denied direct deposit upon clear statements that none was available in NV. Go to a bank or and ATM. Why am I denied direct deposit? No matter the reason, the statement by Way2Go that there Is NO direct deposit available as part of NV unemployment money distribution is FALSE, contrary to their published instructions and available on their internet site and apparently only effective for select unemployed individuals. Their direct deposit statements are as false as the explanation entered to terminate the unchangeable direct deposit election I entered on their website as a " security matter. '' " This feature has been disabled due to suspicious activity on your card. Please contact customer service for all future enquires. '' ( False explanation for terminating direct deposit by call supervisor ) More hours on hold! 

ATTN : All Unemployment Insurance Claimants : Nevada Department of Employment, Training and Rehabilitation ( DETR ) has changed prepaid debit card providers, from XXXX XXXX XXXX to the Way2Go Card. This transition will not affect your claim, only how you will receive your benefits beginning in XXXX. 

https : //gov.nv.gov/Constituent/Unemployment/
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Dear Sir/Madam, I am writing to file a formal complaint against Credit Acceptance Corp regarding the handling of my vehicle purchase and subsequent repossession in XXXX. I believe that the company 's actions have caused me significant financial hardship, and I request your assistance in resolving this matter. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, MI XXXX. In XXXX, I purchased a vehicle from Credit Acceptance Corp. However, to my dismay, the vehicle was repossessed in XXXX. Since then, I have been in communication with the company, requesting a financially reasonable offer of settlement. Unfortunately, Credit Acceptance Corp has repeatedly refused to provide such an offer. 

Compounding my frustration, I recently discovered that Credit Acceptance Corp has begun garnishing my wages in XXXX. This sudden action has only exacerbated my financial difficulties, particularly considering the prolonged period of negotiation and lack of resolution from the company 's side. 

Furthermore, I am aware that Credit Acceptance Corp is currently under investigation for similar behavior. This knowledge raises concerns about the company 's practices and underscores the urgency of my complaint. 

In light of the above, I kindly request the following : 1. Immediate cessation of all garnishments from my wages, as this has caused severe financial strain. 

2. Thorough investigation into Credit Acceptance Corp 's handling of my case, specifically regarding their refusal to offer a financially reasonable settlement and their delayed initiation of garnishment. 

3. Appropriate financial compensation for the hardships I have endured, taking into account the prolonged negotiations and the company 's alleged misconduct. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a fair resolution. I have attached supporting documentation, including relevant correspondence and evidence of the ongoing investigation into Credit Acceptance Corp. 

Thank you for your attention to this matter. I look forward to a prompt response and a satisfactory resolution. 

Yours faithfully, XXXX
Consumer complaint received 2020-02-09
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: SYNCHRONY FINANCIAL (NY)

I had Paypal account which I was using and paid on time and never reported to 3 credit bureau. It was like secured all of a sudden from no where it showing on my credit report and score was effect too! I contacted the Paypal I was told when synchrony bank take over it started reporting on credit report without customer informed or knowledge they know about it but can not help so my complain is why they playing with consumer life without letting them know and their score are on jeopardy. So my prayer is that it should remove from the credit report so that consumer can be stress free and they can get back there score up!
Consumer complaint received 2023-04-10
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2019-06-26
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: EQUIFAX, INC. (FL)

I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/XXXX I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, Equifax and XXXX ), finally on XX/XX/XXXXthese 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX   credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and Equifax I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX and Equifax knowing that these accounts were the same ones deleted from XXXX.
Consumer complaint received 2018-01-16
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. (CA)

I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

As ofXX/XX/XXXX, 2018, my credit score from the 3 agencies are as follow : Experian : XXXX XXXX  : XXXX XXXX : XXXX The stunning difference between Experian and the other 2 is striking. I noticed that XXXX, through its associated cie 's like XXXX, XXXX XXXX and XXXX XXXX, lowered by credit limit over 5 times this past year for cards associated with these accounts, which all showed in my Experian credit report. It appears that this led to my already low Experian score to get even lower. By 9 points!!! 

This makes no sense, whatsoever. I got the store credit card to finance some purchases, like a lot of other people. Paid in full, 100 % on time. Then this " stale '' credit I forgot about gets lowered because the parent company wants to penalize me for not using their card, and somehow this can draw my credit score by 9 points in the past few months? Really? Are you kidding me Experian? To give you and idea, I lost 14 points for short-selling my house, for crying out loud ... Get real. 

My complaint is that Experian system of calculating the Fico score is completely out of touch with reality, lacks proper gauge for credit score changes, and is out of sync with other agencies. I pay my mortgage religiously, my kids ridiculously expensive after school program, my car loans, contribute to my 401K, my kids 529 plans, have plenty of cash reserve in my account, have a 7 figure net worth and yet, none of this matters. If some rando furniture cie decides to lower my credit limit on some card that I do n't need anymore then, by all mean, that mandates tagging me as a financial problem in the eyes of Experian. 

Experian should be excluded from credit pull if their system is unreliable and disconnected from reality. I am about to refi my mortgage, and the idea that these idiots have a say in this is mind boggling.
Consumer complaint received 2019-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've contacted TransUnion three times about this issue. There are several inquires that I do not recognize and or authorized. I've attached a PDF summary of the inquires that need to be removed from my credit report. There are two columns one that says authorized, meaning that I did inquire and the second column that says " NO ''. That means that I did not authorize under one heading. This appears to be part of TransUnions inquiry issue.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (CA)

This is my complaint about EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2018-04-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

We applied and were pre-qualified for a mortgage with Santander bank. While in underwriting the underwriter ( XXXX XXXX, Santander Credit underwriter III ) decided that my wifes income from XXXX would not be allowed and demanded an additional 10 % down to issue the mortgage ( taking us to 20 % ) He additionally refused to give credit for my annual bonus due to being with a new company, even though i have over a decade of bonus history. He refused to give even a pro-rated amount for my wifes ' earning potential even though she has 20+ years of earning history. I have over 15 years of bonus history. Due to his exemptions of our income, the calculations put us at a 42 % gross income to mortgage ratio ( 2 % above the threshold for a 10 % down loan, requiring we step up to 20 % down ). This feels purposeful and predatory. 

While this was going on we expended several thousand $ of inspections fees, appraisal fees and a lease break on our apartment. Sum total {$11000.00} and are now on the hunt to find a new place to live. ( And our credit scores were negatively impacted ). 

They did not provide a disclaimer that they would refuse to accept my wife income ( due to it being from another state ), nor my bonus when we signed up to work on this mortgage with them.
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (MA)

I bought a house that closed on XX/XX/XXXX and recorded on XXXX XXXX XXXX 
On the Closing Disclosure issued before the closing, page XXXX, issued by the Mortgage company, it states the Lender will be responsible to pay {$13000.00} as a Loan Broker compensation, but I'm suspecting they included it on my mortgage without disclosure it. I contacted the company but they are refusing to disclosure if it is included or not. If it is, I need an immediate reimbursement.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC (GA)

I never received any type of written notification of this debt and My wife has received repeated calls about a debt that I do not owe for the past 7 months. My wife has asked Jacobs collection for more information, but was told it was a business matter she has also told Jacobs collection to not call her phone relating to the debt that I ( her husband ) supposedly owes.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/18, XXXX reported to all of my creditors that they are reducing my FICO score to XXXX, prompting American Express to reduce my credit line from {$10000.00} to {$2300.00}. AMEX required that I pay {$3500.00} in one lump sum to keep my credit line. I noticed that my bank, XXXX XXXX XXXX. had changed my auto-pay due dates on several other creditors, making me late on several payments. I noticed that the XXXX due date was affected as well and called to assure them that they would receive a payment. I also inquired as to why they are reducing my credit line {$7700.00}. They maintain that it is because of XXXX 's reduction of my FICO, even though I have been an outstanding customer for many years. When I asked why they wo n't increase it because I have been a responsible customer, they said that the FICO score matters more than my payment history. I filed a compaint against XXXX, but it was not successful. 

I do n't have the time to continue my dispute with XXXX, but when I asked to cancel my XXXX account, they told me to cut up my card and that I would be liable for the balance. I do n't understand why, if I 've always been a good customer, am I being considered to be a derelict, ready to defraud them. On the contrary, any creditor who does n't honor the facts is doing business fraudulently. XXXX 's business practices are not based on sound policy, but are based on heresay and fraudulent information. 

The reps XXXX and XXXX are ignorant customer service reps as well. Thankfully, other creditors are n't following this kind of unreasonable business policy. XXXX needs to apologize to their good customers, in the least. 

XXXX XXXX
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

I suffered an insurance loss and promptly reported the loss to both my insurance company and my mortgage company. The first payment for replacement of cabinets, painting and drywall was issued to me with no problem. The second part of my claim pertained to my wood floors. My insurance company allotted me funds for a full replacement of all flooring in my downstairs however my floor contractor was able to replace/repair only what was damaged which resulted in a much small amount. My mortgage company is refusing to release my funds to me even though all repairs have been completed and the inspector from the mortgage company has approved all repairs. Per the terms of my deed of trust, once all repairs are completed and approved funds are to be released to me. I may or may not decide at a later date to have more flooring replaced however all repairs have been completed to the satisfaction of the mortgage company inspector.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I just received a notification from XXXX who monitors my credit and notified me of a new collection associated with my credit file. After making calls and following up with the credit bureaus it was confirmed this was an account opened in my name from when my identity was stolen back in XX/XX/2021. They opened an account with XXXX XXXX XXXX for an address in XXXX that I have nothing to do with. This {$540.00} debt was then passed along to Credit Systems International In. Once the debt collection was placed I found out and immediately reporting this as fraudulent. For reference i have attached the original affidavit of the idenitity theft that took place in XX/XX/2021.
Consumer complaint received 2019-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.