davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc. (CA)

I had went to the dentist about 3 years ago in XXXX for a check up they offered to do a deep cleaning service on my teeth and told me if approved I can start in a few weeks they took a {$50.00} payment from me and 2 days later I called and told them to cancel the cleaning because I didnt feel it was needed a year later on my credit report it shows that I was charged {$1200.00} for the treatment and I kept getting emails and phone calls from debt collectors which I tried talking to and they ignored me and told me I have to still pay them regardless of the situation when I told them dozens of times I havent received a cleaning I found a credit repair to dispute it off of my credit which has dropped over XXXX points from my credit and a year later it pops back up in XXXX in XXXX and I explained to them again I do not owe you guys for a treatment I never received and as they said to me as well I still have to pay them and that my credit will continue to drop for 7 years till I pay them and that they were willing to Negotiate how much I need to pay them up front and I kept refusing to pay for a treatment I never did and as one guy stated it doesnt matter if you call them and try to negotiate with them once its reported to us you have to pay this debt. Ive been fighting to take this off for almost 2 years now
Consumer complaint received 2017-06-01
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. (MD)

I disputed via online about an account from   XXXX   XXXX   that I did not recognize  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . They ( Equifa x )  responded quickly saying that the account has been verified. I called and spoke with  two reps.  When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at Equifax. He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly with   XXXX   XXXX   and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that Equifax remove this collection because a proper investigation was not done and this debt is not verifiable.
Consumer complaint received 2022-07-07
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. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was unable to get a fax number from this company to send documents to them. They told me that they dont receive fax. They can only send. Now what kind of business is this? Everyones know if you have a fax number you can receive fax as well as sending faxes. If very unnecessary to lie to people were needing to get something to them. This is our right so why are they denied me this. It just seems like theyre avoid people to get there documents to them.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, Chase blocked the debit resulting in a missed payment. This missed payment also caused Citi Bank to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc (CO)

Alpine Credit Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection is taking me to court case # XXXX on XX/XX/XXXX for medical debt that I have no knowledge of for {$900.00}. The original bill that they claim was for {$600.00} for XXXX XX/XX/XXXX. I certified mail to Alpine that I want to see proof for the medical claim with my signature, what am I being charged for and the XXXX. I have not gotten any response back from them. I demand this medical claim to be taken off my credit, because Alpine did not reply or show me proof.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

my husband and I had an agreement with XXXX ( now XXXX ) : Forbearance on our mortgage for the year of XX/XX/XXXX due to financial hardships b/c of covid 19. our Forbearance agreement started in XX/XX/XXXX -XX/XX/XXXX. our payments made during the year ( {$3500.00} ) was not deducted from our principal or or forbearance balance, or escrow. They ruined our credit with the credit bureau and reported over 12 late payments during covid 19 and while we were in forbearance. They also did not deduct the months of payments that were made during covid 19 about {$3500.00} of payments that were made were not deducted from our mortgage or interest/escrow. 
My husband and I can not get XXXX on the phone. 
XXXX XXXX XXXX has bought out XXXX and they will not respond. 
Experian has tried to help resolve the issue and nothing has been done since we closed on our house XX/XX/XXXX. 
Experian has proof of the payment from my husbands bank account proving the {$3500.00} of payments made during the year of XX/XX/XXXX. 
please help us as we can not get another loan for a house b/c of what XXXX ( now XXXX ) has done to our credit and it is an awful situation, we feel we are scammed and we are stuck and can't purchase a house b/c XXXX was dishonest and has destroyed our financial reputation. we have paid our balance in full since XX/XX/XXXX. we feel cheated. we feel lied to and stolen from and now our reputation is destroyed, i was denied many morgage loans b/c of it.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Relief Center (NJ)

Received a letter from Debt Relief Center, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX stating its the second notice to collect a debt of {$30000.00} at a proposed settlement of {$15000.00}. I issue is I dont owe any debt so this is a scam.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

Due to the BREACH OF PEACE of that occured on XXXX XXXX, XXXX XXXX XXXX is liable for damages pursuant to UCC 9-625 ( c ) ( 2 ), Section 9-628, 15 usc 1692f ( 6 ) ( A ) and the XXXX XXXX XXXX XXXX is also liable for tort damages, including punitive damages under Article 1, section 1-103 ( b ). 

Third party repossession companies, hired by creditors to do the actual seizing of property, can be deemed debt collectors. Debt collectors are governed by the FDCPA 15 USC 1692. Pursuant to Texas Business Code 9.609 a repossession company does not have the right to present possession of collateral if the repossession resulted in a BREACH OF PEACE.
Consumer complaint received 2022-07-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-15
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. (MO)

I sent proof of these unauthorized inquires to XXXX and Transunion XX/XX/2021 and I have not gotten a response from neither company yet. I have proof in the FTC Identity Theft Report and attachment labeled as Exhibit A-B that all of the companies are in Violation of 15 USC 1681 N. The companys willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1681. They are now civilly and criminally liable for those Violations.
Consumer complaint received 2021-06-15
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. (CA)

There are multiple inquiries on my credit report that I do not recognize they have not been signed or authorized by me I have been disputing these since XX/XX/XXXX and nothing is being done!!!! 

Creditor Name : DC/APT OWNER Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : CONTEMPORARY INFORMATI Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check from XXXX XXXX Treasury dept.for the sum of {$4200.00} chase bank said my funds would be available in 7 days as soon as my funds were avalible chase bank closed my account an put all of my funds in suspension. After the check cleared an Chase banks recieved the funds. They will not release the funds to me because chase bank said they can not varefiy the check .they will not call the number that is posted on the check to varifiy it an they do not have the correct phone number in there data base to varifiy the check according to chase bank . I went in person to the creator of the check to get them to just void the check an make me a new check .Which they agreed to do, they checked there bank that the check was made out to .Chase bank had already processed the check an recieved my funds
Consumer complaint received 2019-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third Bank Gave me what they would call an Early Access Advance. I took ada advantage of advance. The advance was taken out of my XXXX check. With a XXXX check came in they withdrew there money in full and cancelled my early access advanced because I was supposedly had been overdrawn and that is not true especially for 15 consecutive days. Now tell me how that is right.
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (MN)

My wife and I are interested in buying a newly built home. The builde r is    XXXX   XXXX  .   XXXX   XXXX   will give you a {$5000.00} discount in closing costs, but only if you us e DHI Mortga ge even though they have A BUILDERS INCENTIVE AND CONCESSION ADDENDUM that states you can use any other settlement services provider . DHI Mortg age 's Interest rate is .50 % HIGHER than what I can get from a competing lender.   XXXX   XXXX   will not honor the {$5000.00} discount if we use another lender. The lower interest rate offered by the other lender will save us over {$31000.00} over the life of the loan.   This appears to be a " steering '' practice by the builder. I thought steering was  Illegal?  Now we stand to loose the {$5000.00} discount offered by the builder. Builders should not be allowed to penalize the consumer by simply choosing another lender that is not affiliate d with    XXXX   XXXX  . Why is builders sales rep allowed to stiff arm, steer, and guilt us into using their own lender. This must be stopped!! Any feedback would be greatly appreciated.
Consumer complaint received 2022-07-07
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: FC HoldCo LLC (GA)

I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/22 I filed two disputes totaling around {$80.00} for unauthorized transactions. Both of these were denied. I also filed a dispute with the credit card totaling {$22.00}. That was denied. I work hard for my money and I dont appreciate being treated as a criminal. On XX/XX/22 I filed several disputes totaling {$630.00}. I also realized later that the account was restricted. I want my money back that the thief stole from my account now. Thats all. After you give my money back Ill pay the credit card off and close both accounts. Im DONE.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I tried to withdraw {$200.00} from a USAA ATM at XXXX XXXX at XXXX on Monday, XX/XX/2021. The machine shorted me {$60.00} and only dispensed {$140.00}. I have an account with USAA and called the number on the ATM when I got home at XXXX and told them what happened. They were able to credit me the {$60.00} pending an investigation. A letter was posted to my account on XX/XX/2021 stating that their investigation was complete, that the correct amount was dispensed, and that the temporary credit of {$60.00} would be reversed on XX/XX/2021.
Consumer complaint received 2017-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Throughout my XXXX college and university career, I took out school loans equaling about $ 55k through XXXX XXXX which was the only lender used by those institutions. In XX/XX/XXXX, I became aware of the PSLF and inquired about it. I was told to keep paying the loans as there was insufficient information and I was doing what I was supposed to. At some point, my loans were sold/moved to Navient. I contacted them and also shared that I would like to ensure I was taking the steps to be eligible for PSLF. They also confirmed I should continue paying the loans and as we approached XX/XX/XXXX they would have further information. I inquired throughout the years to both companies, I would say annually, and was told I should just keep paying. Over this last year I inquired again and submitted the PSLF paperwork. My application was denied with the reason that my loan was not a direct loan and that XXXX XXXX and Navient are servicers for student loans. How would I know the difference if XXXX XXXX was the only option I had for subsidized and unsubsidized loans through my public institutions AND they both confirmed that I was taking the necessary steps? When I called about the denial of my application, the Department of Education directed me back to Navient to refinance to become eligible in 10 more years??!!! So I was ineligible because I was paying through Navient and was redirected back to refinance again through Navient! This is 100 % disheartening and, in my opinion, something that should be civilly litigated. I am, as are thousands of others who have been jerked around, the target candidates for loan forgiveness. I am a first generation college graduate and single parent who took full advantage of the opportunities afforded to me to excel and chose to give back as a public servant. I have been successful, and by the time 10 more years comes around, it will be highly unlikely I will be eligible due to income. Calculating the interest and extended loans, I am appalled. 100 % unfair and has caused me excessive grief. Excessive.