davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
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. (GA)

According to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ,6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I have requested from Transunion to provide me with the name address and cont a number of the person or company used to verify this information and they refused to probed the information. I have a case if mistaken identity same name different social and I contacted the bankruptcy court listed and they said they do not verify reports and they do not verify social security numbers. So how did they verify this information? 

1.Court Name US BKPT CT TX XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX XXXX Type of Record Bankruptcy Reference Number XXXX 2.Court Name US BKPT CT TX  XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX  XXXX Type of Record Bankruptcy Reference Number XXXX XXXX deleted the inaccurate information in  XXXX of XXXX as soon as I reported the inaccuracy ... XXXX just deleted the inaccurate information XX/XX/XXXX and Transunion has refused investigate continues to send me the same generic letter stating it was verified and will not provide me with information as to who they verified this information with. Ive filed two complaints and they close them immediately stating Its pertaining a credit report and will be reviewed, they will not even look at the information being submitted.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

On XX/XX/23 I purchased a used vehicle from XXXX XXXX dealership. Westlake Financial agreed to finance the {$5100.00} loan. I was told to make my first payment of {$180.00} by XX/XX/23. 

I mailed the payment and then I was told my loan was denied because they could not verify my employment with the State of California ( they refused to call the employment verification number that my human resources provided ) My issue is not with the dealership, XXXX they found me a new lender. My issue is with the original lender, Westlake Financial. 

They kept my payment and told me that since I do not have a loan, I can't get my payment back.
Consumer complaint received 2019-02-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (VA)

I received a letter from my credit card company ( Barclays ) advising me that my credit limit had been reduced based on a report from transunion. I contacted the cc company and advised them that I had never missed a payment or had any issues with this card and I do n't understand why my limit was decreased. I was told that XXXX sends recommendations to the cc company and the decisions are made by computers not by humans and that there was nothing that I could do about it. I am filing this complaint because this is abuse by the credit reporting agencies. This decrease resulted in the lowering of my credit score because my available credit was reduced. I think that the credit reporting agency and the cc company have harmed me. The information that was provided by the credit reporting company had nothing to do with my cc and were not a result of any transaction on my cc but yet my cc limit was decreased, which in turn caused a decrease in my credit score because of the reduction of available credit. This is a combined effort of the credit reporting agency and the cc company to hurt my credit score and I do not think that this is right or fair.
Consumer complaint received 2019-02-10
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: CITIBANK, N.A. (CA)

Everytime I get ready to use the card it works then after one purchase it doesn't and I have called numerous times to get it fixed and was assured I would not have a problem but now it doesn't work cause my number is not on a fraud alert but it has been working in the past my number is on my fraud alert but they say it's not I even removed the fraud alert but they still won't unblock my card.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, I XXXX XXXX went into wells Fargo bank, locate XXXX XXXX XXXX XXXX XXXX Fl. XXXX. Where the assist manager XXXX discriminate again me by not let me take money out of my account and help white client instead of me. I have present my driver license and debit card to Ms. XXXX and she told me she got other thing to do and left the branch.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (PA)

I have previously submitted a complaint with this company, they have stated they would delete the trade line, and they still have not done so, on XX/XX/2019, I have paid the original creditor, XXXX XXXX in XXXX PA, the amount of {$20.00}, since this has been paid, and the trade line was not deleted or updated in any way, I do believe Quality Asset Recovery LLC is attempting to commit fraud, and I will also be filing a complaint with the Pennsylvania State Attorney Generals office, as well as pursuing criminal and civil charges against the company
Consumer complaint received 2019-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OH)

Hunter Warfield based on my communications and documents closed the file and removed all derogatory information from the CRA 's. Now they are attempting collection from my wife. 

Please read all attached documents. This matter was settled through the XXXX XXXX XXXX in my name and now Hunter Warfield is attempting to collect again after closing the file, by now sending collection notices to my wife. 

Again, no billing from the creditor. Claims only from Hunter Warfield but told on the phone that the creditor closed and recalled the file as a result of my complaint and now re-placed the file in my wife 's name. 

The original was as follows : Hunter Warfield is attempting to collect on move out charges which have never been billed to me by the creditor nor Hunter. Apartment rental scam We rented an apartment at XXXX XXXX XXXX, XXXX XXXX, Ca. from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I received a call from them and found out they sent a collection letter to my XXXX year old mother 's address. XXXX has claimed damages to the apartment in the amount of {$620.00}. As the caller began to read off the damages, I referred him to the move-in sheet where the alleged damage was noted at move-in. He stated that he had better contact them and see about an adjustment. I've heard nothing from XXXX XXXX XXXX, XXXX XXXX, nor Hunter Warfield except a notification from my credit watch service that they had reported the collection to the credit reporting agencies. I faxed a letter to XXXX XXXX and have had no response. Today, XX/XX/XXXX I received another call from Hunter Warfield. The caller told me I now owe {$620.00}. He stated that Hunter 's customer service department verified and adjusted the balance due. They adfjusted the items on the move-in sheet and now I owe more? Why am I dealing with a third party only. If XXXX states I owe anything, I am entitled to a clear detailed statement from them. He then stated that that Hunter sent me a statement. I advised him that I have received nothing. They had a wrong address months ago and apparently the debt isn't even worth the XXXX cents to XXXX to obtain an address correction from the USPS. Or, the item could have been sent to my address at XXXX XXXX XXXX and it would have been forwarded to me. I receive a daily email from the USPS with every mail piece being forwarded. When I asked the caller from Hunter what address did they send their statement to, he hung up. I have 703 emails from XXXX XXXX XXXX, none requesting any monies. XXXX XXXX XXXX has 2 valid phone numbers, were given our new address when our keys were returned. Why am I dealing through this third party to begin with. If XXXX XXXX XXXX wants to charge me for something they should bill me directly. I have friends who have moved out of the building who have had the same experience. I believe this is a scam since you don't hear from XXXX directly. Libel. fraud. 

Please see attached documentation to see the rest of the dispute and result.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (PA)

Repeated phone calls at my place of business after telling XXXX of mariner finance in XXXX to stop calling at my place of business and that it jeopardizes my employment. As well as stating that he would take me to court and sue me.
Consumer complaint received 2019-01-30
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 — Was not notified of investigation status or results
Company: CREDIT WORLD SERVICES, INC. (KS)

I have yet to receive validation of the account with Credit World which I requested two months ago not to mention the debt has been discharged in a bankruptcy finalized last week. Nothing has changed this company has done nothing to rectify this complaint!
Consumer complaint received 2022-01-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score ove r XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have reached out to Equifax and XXXX in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or XXXX verification is unacceptable.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I ordered an XXXX Credit Card because it was ADVERTISED as a credit card that would have access to the ultimate rewards center - for travel specifically. 

https : //creditcards.chase.comXXXX XXXX  : " 5 % Cash Back- on travel purchased over the phone through the Chase Travel Center , including flights, hotels and more. '' Since using the card for over two months, I have not been able to access the rewards center to access travel deals. I have attempted to access the center for at least one month. And the center is unavailable on every browser and device. On mobile and computer, there isn't even a " travel '' button in the rewards section of the account through Chase.com. 

With each attempt, I am given an error message that I either have to call customer service or the site is down. This has happened 100 % of the time. This is even with customer service support via phone. I also was not able to use the chat function online on mobile or computer to send messages for this issue- completely ignoring the challenge that I am facing. 

I have not received additional support for this issue and it is clear that Chase will not honor its promotions to its customers for this product. 

https : //www.chase.comXXXX Upon attempting to sign in to the travel center today ( XX/XX/23 ) using the link above, I was given this banner message : " You need a Chase Ultimate Rewards credit card/ You need a Chase Ultimate Rewards credit card to book through Chase Travel. '' This is concrete proof of false advertising. Shared information about the credit card are also given by review sites who reviewed the card XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

We paid {$34000.00} as a principal payment to our mortgage which was owned by the company Loancare. This money applied to the loan and then treated as a Misapplication Reversal later, on the day of monthly payment. The mortgage was transferred to different company following the principle payment reversal, but we haven't received $ XXXX back from Loan care. We contacted Loan care twice before XX/XX/2019. We didn't receive any answer from Loan care. our mortgage was sold for the full principle amount even though we had applied the XXXX $ to it. 

Our main concern is below. 
1. We need our money $ XXXX back from Loan care now. 
2. We believe XXXX removed the $ XXXX as Misapplication to sell our loan for a full principle amount even though we had applied money to reduce the principle.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

XXXX XXXX called me with misleading information advising if I paid them {$100.00} a month for 4 months they would remove all collection debt from my credit report. They asked me for more than one credit card with the 3 digits on the back of my card. I know this is against the law. Then they gave me a fake credit score and credit rating. XXXX extension XXXX out of XXXX, UT location stated his corparte location is XXXX XXXX XXXX, UT advised me I had to pay him for up to 4 months to have things removed off my credit that has already been paid and unpaid. I ask to have the vaidility of his comnpany sent to me in writing or by email. He had my business email address which I have never given him or used on any of my personal accounts. When I rewquested to have it removed he still sent an email to mu business account and not my personal account. Then when I called the comapny back they stated there is no employee there by that name or extension I am requesting to have this looked into I think I am a victim of fraud and idenity theft
Consumer complaint received 2019-02-10
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. (NC)

I have reached out to XXXX and Transunion in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or e-Oscar verification is unacceptable.
Consumer complaint received 2019-02-10
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. (TX)

My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (TX)

Verification/Validation of Debt was not provided by XXXX XXXX XXXX XXXX. Accounts XXXX and XXXX do not belong to me. Violation of FCRA 605. Identity theft, unauthorized obtainment of my personal information without my consent.
Consumer complaint received 2019-04-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I got a loan in 2008 I believe and after done with school it was hard to get a job that payed well for the career I was pursuing, my My loan interest kept going up and I had no job for a couple of months.They kept adding everyday interest and its hard for me to pay the whole loan.
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

2 Bank Of America Accts w/Unauthorized charges/Fraud charges totaling over XXXX. All fraud charges have been filed 2 times w/BOA separately & both later denied ( XX/XX/XXXX ). 

My Actions to Date : XX/XX/XXXX : Fraud reported & $ $ removed from accts. 6 wks later, all unauthorized $ put back on XX/XX/XXXX : Police Report filed & investigation opened by XXXX XXXX. 
XX/XX/XXXX : Alerted BOA of police report & re-submitted claims ( # 2 ) ... later denied again by BOA XX/XX/XXXX : Thief was identified on video & more info was relayed to police detective. 

XX/XX/XXXX : FTC IDENTITY THEFT report created & submitted to BOA. Other Info sent : -Specific Name & contact info of the thief confirmed in video, so BOA fraud dept could use -Police Detective & Police Reports /Case # Details -Summary/Documentation showing unauthorized charges broken down by month in XXXX. 
( Requested once again for all fraud charges be removed ) **All charges that have been claimed as fraud were 100 % unauthorized. All charges were initially removed & later added back on. 

XX/XX/XXXX : BOA employee signed for FTC IDENTITY theft reports ... 
XX/XX/XXXX : As of today, there has been 0 follow up from BOA since FTC report. ( almost 30 days )