davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (MI)

Since XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX enter has a consumer credit account with American Express.according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. 

XXXX XXXX XXXX XXXX is aware and has proof in attachment labeled as Exhibit C that American Express is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. American Express in fact took cash as shown in attachment labelled as Exhibit A and B. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1666d. American Express did not credit the amount of the credit balance to the consumers account for consumer credit transactions. American Express did not refund any part of the amount of the remaining credit balance. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1692g American Express did not validate the alleged debt. and ;
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

This company makes repeated calls to my cellphone and my work phone daily. They're very often less than an hour apart and consistently break the 3 times a day rule. While, yes, I realize I am behind, this is straight harassment and needs to stop.
Consumer complaint received 2018-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Just got off phone with Transunion. Once again lied and stated they sent the factor sheet explaining their credit score. It was not included and they will not give it to me. How can they judge me and not tell me how. XXXX ( supervisor special handling unit ) was most uncooperative, stating I had to pay {$9.00} to receive factor report. I demand an explanation and documentation on their scoring system and increase of my score. Countless inquiries made to my report without my knowledge. Had fraud alert on account in XX/XX/XXXX but they did not continue it and I asked for a security freeze, which I bet they did not do. ( agent in XXXX ) I want this corrected. No one is to check my credit and drop my score.
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I disputed with the credit beau regarding XXXX of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/2018, I send a letter and supporting documentation to Equifax requesting them to remove or clear my record of any negative debts, since the creditor XXXX XXXX and its affiliate XXXX XXXX XXXX XXXX cleared up any wrong doing or confusions with my account with them. 

XXXX XXXX 's letter states that they also sent their letter to each Nationwide Consumer Reporting Company : Equifax, XXXX, XXXX, and XXXX ( not sure who this agency is but it was in their letter ), clearing me since my account have been satified and changed. 

With the exception of Equifax, each of the other reporting companies cleared my credit report. It's important to point out that Equifax cleared my husband and we on the same account. I am perplex why haven't they cleared me. I hired a XXXX XXXX to help me with Equifax. They too haven't been able to get anywhere with Equifax. You are probably my last hope. Please help me to have Equifax to stop ignoring me and the creditor. I am requesting them to clear my record with a positive report. This issue is frustrating! 

Thank you kindly!
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

On XX/XX/2024 I called customer service to open XXXX disputes on my debit card, XXXX {$1200.00} XXXX {$1200.00} The bank provided provisional credit, but after a couple of weeks later that provitional credit was reversed. 
I never received any letter or correspondance requesting more information. 
I called agaon on XX/XX/2024 to reopen the case and also I still dont receive anything from the bank on my mailling address.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (KY)

I cant remember the dates but I do kow they tried to withdraw hundreds of dollars from my checking account all at once and thank XXXX my bank stopped the payment! No they keep hounding me calling me at work on my cell phone calling family members. I did not agree to this loan being at the interest rate its at. They gave me false infomration when doing the appliacation!
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: BCB Investments LLC (IL)

Alliance collection responded to my previous complaint saying that I disputed through an XXXX system. I have never disputed through an XXXX system and have no idea what an XXXX system is. I have called them because I received an email from the company saying to pay a balance owed which I dont owe them. I have also sent in dispute letters and they still havent removed it from my report. This company has never sent anything by mail to me explaining the debt and what it was for and my options to dispute if I find it invalid. They have wrongly entered it into my report without any explanation only an email about paying the balance and thats the reason I called in. I also told this company not to call me and that I was going to contact an attorney.
Consumer complaint received 2019-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Merchant is determined to be a fraud, a chargeback was filed against the merchant.. merchant refuses the chargeback used the first correspondence with them painting this a case of buyer remorse which it is not. Its a clear case of bait and wait scamming. With a mountain of data to prove my case Also Collusion with XXXX in terms of charge back prevention. 

The Bank however will not accept any documents proving my case.. I am getting a different bank and would leave them hanging with the {$99.00} if it weren't for event tickets I have connected with my account .... I can not upload data, can not get this addressed.
Consumer complaint received 2024-03-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Incomm Holdings Inc. (AL)

I received a Vanilla gift card from my employer that included a bonus due to me from my employer. The amount of {$120.00} was put on hold by the company and never released. After several attempts to receive my money either on a virtual gift card or a physical card, I have received neither.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

I expected my MIP/PMI insurance to be dropped automatically once my principle balance was below 80 % of my original appraised value. However, I noticed this did not happen, so I called PNC in XX/XX/2020 to inquire about it. The representative told me that it was based on the original amortization table and the date it reached 80 %, if I had made additional principle payments they are not taken into consideration unless I call and request the insurance be discontinued. He looked at my loan to original appraisal value and it was at 67 % and said that he would take care of my request. In XXXX, I logged into my account and saw the payment had again been made. I called and the only way to drop the insurance is for my to go to the trouble and expense of having yet another appraisal less than 5 years from the original appraisal to prove my home value is not only the same but has risen 24 %. My monthly payment is auto-drafted from my checking account and has never been late. I have also paid an additional XXXX in principle. I have an incredible credit history, and this is just taking money out the pocket of a hardworking American. 

Additionally, the principle payments I have made have been misapplied as payments to interest every time, even though I followed the instructions given by PNC to the letter. They do not have an option to make a principle only payment online, but a check has to be mailed in with apply to principle on the memo line. It is then my responsibility to login and see that the payment was correctly applied.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I 've repeatedly told the debt that the apartment complex was falsely trying to bill me. When I asked them for proof of the debt they sent me a paper with claims by the apartment complex with no proof of damage or their claims. They also sent a lease signed by the property manager, but the lease has no signature by myself on it.
Consumer complaint received 2018-05-24
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. (AL)

XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late? 

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.
Consumer complaint received 2017-07-25
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. (TN)

I 'm submitting another check stub with XXXX XXXX XXXX XXXX XXXX. My account for direct deposit was with them in XX/XX/XXXX. This is the year I was given the XXXX XXXX XXXX XXXX in the doctors office. This almost caused my XXXX. In XX/XX/XXXX I filed a medical malpractice law sue. All prepared my XXXX. Case number XXXX.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MI)

The company did not clarify that they were doing a credit pull, and I was unaware of this until I received a alert on my phone. Fraud and deception took place on XX/XX/2021. I want this removed expeditiously I went back to speak to the representative and complained to her. She stumbled and said its a soft pull. I never authorized my credit to be pulled
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (NV)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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. (NY)

This is a notice that the following account notations and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 

These are the errors that must be corrected immediately to avoid such penalties : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID My latest EXPERIAN report number XXXX XXXX U.S.C XXXX 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

The aforementioned Corporations have not provided a notice that complies with 15 U.S.C 6802 ( a ). This is a violation of consumer and customer law.

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added Do not delete the accounts referenced above, correct it so it reads PAID. Your company has violated consumer protection laws numerous times in relation to these accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws.

If you can not procure and produce a statement signed by me allowing them to share such negative information you must remove these negative items at once. These documents should be in your possession now. You shouldnt have to contact the Corporations listed above. Without delay remove these negative notations from my consumer report with haste as my ability to contract in commerce is presently being negatively affected.
Consumer complaint received 2019-07-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

XX/XX/XXXX attempted to make payment for mortgage online. I was unable to make my normal payment as the Mortgage company was attempting to collect {$8000.00} in addition to my monthly payment. The {$8000.00} represented an errant payment from XXXX to the local tax office. I called the mortgage company and was told they were trying to collect additional escrow to cover XXXX/XXXX homeowners taxes. Their error, although they lied and indicated the local tax office did not show me as exempt. I explained to them that as a XXXX Veteran in the State of Texas we do not pay taxes. The company claimed that they needed proof that I was in fact a XXXX veteran and that the local tax office told them that I was not tax exempt. Also they would not apply my mortgage payment until the balance from XXXX/XXXX taxes were repaid to my escrow account. I explained that I had no need for an escrow account but found nothing but deaf ears. 

XX/XX/XXXX I have provided the mortgage company with my status as a XXXX veteran as well as a letter from the local tax office showing that I had been tax exempt for years and my exempt status was still current. I also confirmed with the local tax office that they made no false claim to the mortgage company concerning my tax exempt status. Mortgage company refuses to adjust my account until they receive a refund from the local tax office. 

XX/XX/XXXX More of the same awaiting refund from the tax office and talking to the mortgage company 2-3 time XX/XX/XXXX still no refund, mortgage company remain unwilling to take my normal monthly payment. 

XX/XX/XXXX - letter received from mortgage company attorney notifying me of their intent to foreclose. Letter was generate on XX/XX/XXXX. I called the local tax office to find that the refund had been issued on the XXXX of XXXX. I called the mortgage company and was informed that they had received the refund on the XXXX of XXXX. Needless to say I was not notified. Instead, the mortgage company move forward with foreclosure?!?!?! 

I am now pending a pay off plan to bring my mortgage company but the clock is also running against potential foreclosure. They have also sent a work out application to refinance my mortgage. 

I am contacting every regulatory and consumer protection agency that will listen to the schemes of this company in hopes justice will be served. 

It is also important to note that I only owe $ XXXX against the original $ XXXX note which is only 3 years old. It seems clear this company is using underhanded tactics in order to steal the equity I have in my home.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. 

My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. 

So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX BOA XXXX savarese To whom this may concern I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows aloan inquiry that I did not authorize. 
I writing to dispute the following inquiry and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-06-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XX/XX/XXXX I financed a car through Credit Acceptance Corp. The final sales price was {$7900.00}. The car was involved in an auto accident in XXXX. XXXX my insurance company determined the car totaled. As a result XXXX paid off the value of the car. When XXXX contacted Credit Acceptance to request for payoff balance, Credit Acceptance increased the total price or balance and then charged me the difference. They then proceeded to file a judgement against me for the balance that was inflated. I have all the documents to attach to support this statement. My credit report shows that there were no late payments that would have increase the amount of the car. My loan document, and the letter that Credit Acceptance sent to XXXX. Please review my claim and assist me in escalating this matter.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX is reporting incorrect information listed on the account XXXX it has several inconsistencies which means this account has not been properly validated or verified. An account can not report 3 different ways. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Account Rating : Closed Paid Paid Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There are also several late payments that are reporting which is not correct this account was never late. These late payments should be immediately updated to paid as agreed. Each bureaus keeps redoing that it is verified but provides no evidence that they conducted a reasonable investigation because if they did the information would be provided to determine this.
Consumer complaint received 2022-10-06
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. (PA)

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX  daughter and things has been really tough for me and my girls and to find out I have this now on my list is really heart wrenching and overwhelming. I don't know what to do, but I am asking that these accounts are deleted off of my credit report. I am a victim of Identity theft. I did not open any of these accounts. I just ask that they are deleted to correct my credit report.