davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
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: Bread Financial Holdings, Inc. (AL)

I have been repeatedly harassed by a company claiming to be XXXX XXXX. I have numerous voicemails and missed calls that start early in the day and last into the evening. I have tried calling and asking them to please send me validation the account/accounts in question only to be placed on hold and then told they could not give me anymore information. I asked for an address so that I can send them a validation letter only to be told they will not give me this information. The number they call from XXXX ( XXXX ) XXXX and give you XXXX and threaten that the matter will be escalated if they do not receive a call back. They have called my mother and harassed her on her phone as well. They are in clear violation of the federal law. I have a lawyer and I am ready to proceed with legal action for this harassing telecommunications.
Consumer complaint received 2018-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Looking at my credit report I noticed a XXXX account in collection. I called the company to investigate the account that was reported XX/XX/XXXX. The informed me it was an account that was from XX/XX/XXXX for a address that I had never lived at. I am requesting the account be closed and removed from my credit report.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Bank XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.
Consumer complaint received 2018-11-17
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: FIFTH THIRD FINANCIAL CORPORATION (NV)

XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have been in the USA since XX/XX/XXXX as an XXXX. I applied for my 3 free credit reports on XX/XX/XXXX and received from XXXX  and XXXX with no issues. I received none from Equifax and was asked to submit a written request with proof of address and ID, which I did on XX/XX/XXXX using my SSN and driver 's license in colored copies. I have now received a letter, which I'll attach, saying I should submit the same documents because I was not found in their database. 
I have applied for refinancing and was denied, I will apply for a loan for school shortly and I'm worried about the interest rate or being denied if they use Equifax as their credit reporting agency. If my information is available and accurate for the other 2 agencies, and one said they've been monitoring me since the day I arrived, why can't Equifax find it?
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (PA)

I had credit card fraud in XXXX. This about the time I received daily calls from XXXX XXXX XXXX XXXX. I also received a call from XXXX XXXX XXXX out of Texas. I returned call twice to ext. no. and left message with no response. I then called hunter and explained that I did not do this purchase. The rep. said it was shipped to XXXX. I live in XXXX. The calls stopped until wed. XX/XX/XXXX. Now I have received 5 calls since. 
Now Hunter sent a bill XXXX XX/XX/XXXX for {$100.00} with interest. I have never heard of this co.. I did not open account or authorize it.
Consumer complaint received 2022-06-10
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: Bread Financial Holdings, Inc. (TX)

To Whom It May Concern : I have attempted to reach Comenity Bank for the last 7 months to dispute the way several accounts are reporting to the credit bureaus XXXX, XXXX, and XXXX. Additionally, I have requested validation of the debts, over the last 7 months, and each month Comenity reports to the bureaus that the debts are reporting correctly. Surprisingly, Comenity is reporting different information, to each bureau, that it is confirming as correct. 

I called Comenity Bank and attempted to speak with a customer service representative about the importance of reporting the first date of delinquency correctly, as that determines when the debt will be removed from my credit file. The representative said, We dont have that information. How can you accurately report something to the credit bureaus if you dont have the information? 

The FCRA requires that a lender that refers an account for collection and notifies a credit reporting agency about this should report the debt 's date of first delinquency to the agency within 90 days. This date of delinquency is the month and year the consumer 's delinquency resulting in the referral began.
Consumer complaint received 2018-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have addressed this with the credit bureaus ... both XXXX  and XXXX  it gets deleted because they cant verify the debt but they reinsert it with different dates and different amounts owed a few months later. I do not owe them anything! These debts do not belong to me! Wakefield & Associates are Not Licensed in the state of Tennessee so they are in violation of the Tennessee Fair Debt Collection Ac. The last date they have put on my credit reports was XX/XX/2018 for the amount of XXXX both on XXXX and XXXX. It states XXXX  XXXX XXXX   XXXX. Could you please help me stop them. Thank you.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AL)

XX/XX/2016, I paid off an old XXXX bill. Since that time, XXXX XXXX has placed an erroneous charge on my credit report. I have disputed this many times to no avail.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2018-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I traded in my XXXX XXXX XXXX to XXXX for a XXXX XXXX XXXX. The dealer said to not make my final payment due to me trading the car in and that they would receive the payoff the next business day. Short story is my payoff for the XXXX got to XXXX XXXX ONE day late. They reported this to the bureau and will not remove it. I'm in the process of trying to buy a house as a first time buyer and this is reflecting in a negative light with lenders. ONE DAY. I've called XXXX XXXX and they say nothing can be done is what it is and offer no help what so ever. I've contacted to dealership where I leased my XXXX and all they say is sorry it got there a day late.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My problems began XX/XX/XXXX, when my spouse and I began separation which led to a divorce, in addition to the divorce then I have been unemployed on and off from XX/XX/XXXX through XX/XX/XXXX. I also have taken my mother in with XXXX XXXX XXXX XXXX to assist in her rehabilitation and getting her into remission. 

I took employment positions to fulfill my responsibilities, but they were either not stable or enough wages to cover my expenses. It was barely enough the last 18 months to keep food on the table for my XXXX children and mother, utilities, etc. 

In addition to the financial hardship ( severe decrease in income, illness and divorce ). I went to a recommended financial management company ( XXXX XXXX ) that was supposed to help in the assistance of applying for a home loan modification. I was charged {$2400.00} for the service which he failed to complete or give proper notification regarding paperwork, etc. During that time, I was trying to re-coupe my funds since he did not fulfill my request. 

To date, I have not seen any information from him, except to apply again and to send additional last payment for the service. I choose not to for the reasons of being scammed and that I learned you should not trust anyone charging for this service. 

Since then, I did my own research to find out how to resolve this matter on my own. I found an organization called the Fair Housing agency and made an appointment in XX/XX/XXXX to meet with a counselor to assist with what my options where at this time I was told about the HUD programs/grants. 

I filed my application XX/XX/XXXX way before the 37 days deadline and was assigned a counselor from XXXX XXXX ( XXXX XXXX ). This person never contacted or returned any of my attempts to schedule the appointment to submit the follow up requirements/paperwork. This then brought me to the point of escalation to the state of NJ. In return I was able to contact someone from the State of NJ XXXX XXXX. She not only reassigned my application to a new counselor but also a new agency NJ XXXX XXXX. 

Due to the XXXX XXXX not handling my urgent matter timely this is another reason why I am so close to the sale date and need to have it postponed until the remainder of the grant process is completed. I met all the criterias and with great hopes will be approved for the XXXX   grant from the State of NJ. 

As of Friday 's mail, XX/XX/XXXX, I received a denial letter letter from SLS regarding the RMA. This letter is stating I am denied due to the less then 37 days till the date of foreclosure. Please note I will be asking for the adjournment on XX/XX/XXXX ( which will be more then 37 days until the new sale date ). 

Today XX/XX/XXXX, I sent another email requesting an adjournment and RMA. 

XXXX XXXX
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

I received a notification from Wells Fargo stating my account has had lender place insurance on it. The letter was encouraging me to refinance with them to have it removed. I was never aware I had this on my account because I have always carried enough insurance to cover everything. I called them and the person told me I can only have it removed if I refinanced and that I signed an acknowledgment stating it can be placed on my account if I failed to cover enough and/or provide them proof whenever requested. I have never received one phone call, email, or letter in the mail from Wells Fargo requesting proof of my insurance coverage and I do have enough coverage. I also checked my online banking and their has been no alerts or messages to me. I dove a little deeper and saw they did charge my mortgage over a 900 dollar fee for this. I called and was told no fees will be returned and the lender placed insurance will not be removed. 
I feel like this is an UDAAP violation. I should be given the opportunity to provide evidence of my insurance coverage. Wells Fargo has made no documented attempts to contact me about needing to verify my insurance. The crazy thing is just last year I did an assumption to remove my ex husband from the mortgage and even provided evidence during that process. I find it a bit odd that the only attempt to contact me about the force placed insurance is by an opportunity to refinance my mortgage. This makes me feel like Wells Fargo is trying to gain more in fees and also doesn't like my really low interest rate. The associate was also trying to spin it like it is a good tax write off ... ..I feel like they had some scripts ready for this type of call Please help in removing this insurance and crediting me back all fees I acquired by this.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd (WY)

Hi I was applied for wise account, the account was verified and I was order the card but after some time my account was deactivated when I try to appeal they are saying that you can't appeal. 
Kindly help me to resolve my issue. 

XXXX XXXX
Consumer complaint received 2022-06-10
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (VT)

I get called a minimum 3 times a day XXXX XXXX XXXX XXXX XXXX and sometimes up to 7 calls a day over a missed monthly payment. I have also received voicemails saying that if I do not contact them back by X date they will negatively impact my credit. Most of the time they call from an unlisted number and do not leave a voicemail which is not a good way of making sure that I know why I was called in the first place. These are the same robo-call tactics that phone scammers use. This has been going on for years.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (OK)

On XX/XX/2021 Bull City responded to : complaint number XXXX Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
Bull City, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the medical dept. You will also, notice the subrogation letter, where this debt was paid as part of a XXXX XXXX settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and Bull City the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

During the time I was incarcerated ( XXXX ), someone fraudulently submitted applications in my name to XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery in XX/XX/2016. I have made several attempts and provided documentation to Portfolio Recovery showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I have been using the American Express Serve card for several years. On Thursday XX/XX/XXXX I received an email that my account was suspended indefinitely. The only explanation I received was I violated one of their terms under section 15d. I had a substantial amount of money in that account. In the last week I have called customer service ( with hours of wait times ) to be told they cant see anything and dont know why it was closed. They informed me to mail a letter to a PO Box in Georgia ( which I did and was received on XXXX ) I emailed corporate offices through Amex and was finally told the company XXXX would not clarify to them why it was closed. I have also filed a complaint to the XXXX  XXXX  XXXX. My next step is a lawyer. This is outright robbery and complete unethical banking. I want my balance mailed to me in a check. That is my money to live on!
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

We are unable to get any resolution from Chime Bank. We are concerned about identity theft and that we have been unable to get our stimulus checks issued in XXXX of last year. The IRS sent a letter in XXXX saying our checks were deposited in an account at Chime bank in our names. We have never had any relationship with Chime. The IRS will not send us our stimulus checks until they get the original checks back. Chime will not respond. 

Time line We received a notice from the IRS ( XX/XX/2021 ) saying our stimulus checks had been deposited in an account at XXXXChime Bank in Oklahoma. We are retired and living in Florida. We have never had any banking accounts in the state of Oklahoma. We contacted the IRS and they said the bank would probably return the checks if there was not an account and then they would send us our stimulus checks. 
My husband contacted XXXX bank who referred him to Chime Bank. Chime bank said the account number did not match theirs and checks were probably returned. 

The IRS will not send us our stimulus checks until the checks sent to Chime are returned. 

Continued efforts to communicate with Chime were fruitless and over several months I corresponded with more than XXXX individuals at the XXXX. Specific questions and information were requested. No actual contact was made available. Each individual that responded did not respond again when a reply was sent. Those contacted included Twice when requested I sent the ID information ( ID, Socials, picture, etc ). I got no response from first and later XXXX. 

Our complaint is with Chime and our inability to speak to whoever is responsible for identity theft and can determine whether checks in our name came to them and what is the information on the account number supplied by the IRS.
Consumer complaint received 2018-10-09
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. (FL)

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you