davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
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. (CA)

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from Experian and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2018 XXXX XXXX XXXX submitted a hard credit inquiry. 

I did not give Chase permission to do a hard credit inquiry. I was considering a home equity line of credit and decided not to pursue it ; therefore, I never filed or signed anything agreeing to let them pull credit. 

This should be removed from my hard credit inquiries. 

There were no signed contracts or agreements for this.
Consumer complaint received 2019-06-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Riverwalk Financial Corporation (CA)

Debt Collection Company ( Deville Asset Management ) never sent a letter about this debt it was on my credit report. Saying it was from XXXX XXXX the Original Creditor. 
This loan is a fraud. Never took out this loan, despite attempts to fight it. 
I am having problems doing this, and don't know what to do.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (TN)

I deposited my workers compensation settlement check in my sun trust account and right after that they closed my account and that not return my funds to me is being over a month and all they say is they are investigating and I ask how long they told me is indefinitely and that's what happened to me
Consumer complaint received 2018-05-07
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. (AZ)

I am a victim of identity theft. The following credit hard inquiries on my Trans Union credit report is fraudulent, unauthorized, not mine and dont belong to me : XXXX, XX/XX/XXXXand XXXX, XX/XX/XXXX
Consumer complaint received 2018-05-07
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. (FL)

During XX/XX/XXXXwas out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 
Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency
Consumer complaint received 2018-05-07
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)

During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XX/XX/XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with XXXX in the past, XX/XX/XXXX with no  resolution from agency
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OK)

I CALLED XXXX XXXX AND NOTIFIED THEM I WOULD BE CANCELING MY POLICY AND MOVING TO XXXX FOR A BETTER PRICE. THEY CONTINUED TO SEND ME A BILL EVEN AFTER i NOTIFIED THEM IN WRITING AND BY PHONE THAT I WAS CANCELING MY POLICY. THEY BILLED ME FOR THE LAST MONTH ON MY POLICY ANYWAY. I WAS INSURED BY ANOTHER COMPANY AND DID NOT WANT THE INSURANCE ANY LONGER
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

XXXX XXXX ( XXXX ) owns my loan and until XXXX was also the servicer. On XXXX XXXX transferred servicing to Loan Care. 

In XX/XX/XXXX, I started a refinance with XXXX. XXXX requested a payoff amount from XXXX. XXXX made a timely payoff to XXXX. 

XXXX nor LoanCare timely credited the payoff. In fact, I couldn't even access my account information with LoanCare until XX/XX/XXXX. On XX/XX/XXXX LoanCare took a XXXX payment out of my bank account even though the loan should have been paid off. On XX/XX/XXXX LoanCare also finally recognized the Payoff payment, in the amount of {$290000.00}. HOWEVER, they also added a fee of {$700.00} labeled " ForeclosurePartialRepayPrinBal '' even though the Payoff was timely made, and even if it had not been, my auto-pay should have been pulled on XXXX resulting in NO fees or extra monies due. 

On XX/XX/XXXX I attempted to call LoanCare at the phone number listed once I logged into my account. This phone number leads to an automated system with NO OPTION TO SPEAK TO A HUMAN. 

I believe that LoanCare owes me a full refund of the {$2200.00} they pulled from my bank account + all of my remaining escrow + any overpayment from the {$290000.00}. Plus, they need to remove the " ForeclosurePartialRepayPrinBal '' fee from my account.

Thank you for any help you can provide.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (VT)

I requested my credit report in XXXX of 2021 and when I viewed them I found a collection on my credit. This is not my debt to owe. When I contacted Resurgent Receivables LLC on XX/XX/2021 which was the initial contact, they did not send me a written notice within 5 days. I had to write them a letter on XX/XX/2021 needing them to validate the debt. Furthermore upon reviewing the debt that is not mine, there seems to be interest and other charges tacked onto the amount owed which also does not follow FDCPA. I was never once contacted about this debt. See section 808 ( 15 USC 1692f ) and 809. Validation of debts ( 15 USC 1692g ) on why this company does not follow FDCPA. I need this debt to be removed from my credit immediately.
Consumer complaint received 2023-04-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America, XX/XX/XXXX, Credit taken away/Line of Credit reduced to zero ( closed ) without notice. The only way I found out was because I logged on to the BofA website and the account was missing from the list of my open accounts. Gone. No history. I could not even view past statements. 
Nothing. Once I realized the issue ( XX/XX/XXXX ), I called Bank of America and they, too, were unable to locate it using my profile information ( there were at least two representatives who tried to help locate the information using the usual data points like name, social security information, etc. ). Looking through some old records ( thank goodness I didn't sign up for and another reason to forego Electronic Only records/ electronic records safekeeping offered by the bank ), I found and provided the account number to the third customer service representative to whom I was transferred, at which point I was informed that they closed it, that the account was an account they no longer offered, they would not reopen it and they wouldn't grandfather it. They never informed me of their plans to close it nor that it had been closed. Never. Additionally, it immediately impacted my credit score as it reduced the amount of available credit.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AL)

*They have been contacting me more than once daily. harrassment is not acceptable and I am seeking my bill to be zeroed and continue to use the card. 

*They claim to have options to assist with payment but when I try to contact them with the link provided the call hangs up.
Consumer complaint received 2022-11-02
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

My name is XXXX XXXX I have not been able to open any banking account do to this early warning system company. I have tried numerious times to get in contact with them to fix problems on my report. Each time i contact them it is a different problem. I have filed or attempted to file disputes claims on each case. when told to fax the information the fax number never works. My main issues is why am i on this system when i owe no money to any of the numerous banks i have tried to open accounts with. When opening these accounts i had financial issues and was uable to fund the accounts at the time so they closed account. thats it. no money owed to any financial institution. They claim that there is not way to get off of their system which up until now i am still not able to open a checking account anywhere. The customer service representives are rude and do not provide help with solutions to fix consumer issues. I cant even get it taken off. This has caused problems in my life not being able to open any account. I was almost successful in getting a account with XXXX XXXX. Account was open i received account numbers and when i went into the bank to fund the account I was told to contact the early warning system. Opening up accounts and not fully funding them is not a crime no against the law. I owe no money to none of these banks and I cant get this negative information off of my consumer report. I am XXXX XXXX XXXX and need a checking account, Please please help me with this matter.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (PA)

I applied for this card from a solicited contact from the company saying I was approved. I was approved for a {$700.00} credit limit and was aware of the interest rate when I applied. When looking at the terms, I always scan for the the fees and percentages. With nothing out of the ordinary, I completed the application. I used the card on several occasions and logged on to see my balance and was shocked to see a $ 175 yearly fee added. So my {$700.00} credit limit just became a {$520.00} limit. I contacted the card company and spoke with XXXX # XXXX and was advised that a fee amount was not provided but did say a yearly fee would be applied. Even after being approved for the {$700.00}, I was never told that the fee would be 25 % or {$170.00} or given the right of refusal. XXXX said the fee is determined later after the application. I didnt know until I looked at my account what that fee was. XXXX offered no compromises or rationale as to why I wasnt given the right to stop the application process when a fee was determined. They knew that they were going to be charging the max of 25 % but also they also know that the majority of people would not accept this offer if being up front and honest.
Consumer complaint received 2020-07-29
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. (CA)

XXXX  has not resolved my concern. XXXX is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that XXXX provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. XXXX tracking number XXXX https : /XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XXXX XXXX  This is an alleged debt that I am not claiming.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

I have been receiving automatic calls from a company called ProCollect requesting that I contact them to settle an amount of {$150.00} that I owe. This amount has been reported in my credit report. I have called them to provide me with proof of this debt and they have not provided any proof. The last time I received a call from ProCollect was XX/XX/XXXX or XXXX, 2023.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Strategic Alliances, Inc. (TX)

First Portfolio Ventures LLC has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per Texas Finance Code 392. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I have had an American Express ( AMEX ) Platinum Card since XX/XX/XXXX BetweenXX/XX/20-XX/XX/20 over several conversations on a recorder line AMEX repeatedly assured me that if I did the following they would raise my card limit and honor their offer. AMEX stated that if I wanted to raise my monthly card limit I must max out the card to its limit then pay AMEX a large lump sum. However after doing so AMEX actually reduced my limit. Meanwhile because of AMEXs advice my credit score dropped as my debt rose. Now my credit score is lower and AMEX refuses to honor the agreement. When I spoke to AMEX they stated that their formula for credit limitations which is based on several factors to include credit score as well as spending behavior as justification for not keeping their promise. My home re-finance that was to close this week cant be done now.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (FL)

Professional Finance Company has placed inaccurate information of a debt of {$340.00} on all three credit bureaus. I've requested documents that were used to verify the accounts as being accurate. I've requested Validation and have received a bill. No signatures, no contracts, just a bill that I have enclosed in this complaint. I do not owe Professional Finance Company any money for any debt.
Consumer complaint received 2018-05-06
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. (RI)

Greetings, To whom it may concern.

I have been a victim of the Transunion inquiry issue. I contacted Transunion customer service department, spoke to a representative and explained what happened. Unfortunately, the representative did not agree to remove those inquiries from my credit report.

Please find below the inquiries I requested to be removed.

1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SD XXXX  ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX   ) XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX Please proceed with this request and update my credit report accordingly.

Thank you in advance.

XXXX XXXX XXXX XXXX