davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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: Experian Information Solutions Inc. (TX)

I have contacted Experian on numerous occasions due to their negligence in allowing a credit report inaccurate information on my report in which I ask them to remove with account because of the inaccuracies and violation. They have failed to comply. I had mentioned a timeshare by the name of XXXX XXXX XXXX is appearing on my report and shows a past due amount of " XXXX '' however the account states- written off and past due amount. This is inaccurate once a account is closed/written off/charged off it must state paid/closed with a {$0.00} balance. My account does not and I expressed this is a violation and must be removed yet they have failed to do so. Additionally they were reporting after the account was closed on my report which was XX/XX/2018 and reported again XX/XX/2018, this again is a violation. Furthermore, the terms states 10 months. Where did they get this information from. I had asked in the past to be provided with the proof of how they validated my report, they failed to provide that as well. I feel they are not abiding by the laws set in place by the FCRA or CFPB to protect customers such as myself from being taken advantage of. Additionally, they provided me a report in which my name wasnt even spelled correctly.
Consumer complaint received 2019-07-04
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: Experian Information Solutions Inc. (GA)

ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately
Consumer complaint received 2018-02-25
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: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX, a fraudulent credit account was opened at XXXX XXXX XXXX under my name. 

On XX/XX/XXXX, I filed a complaint with Experian to remove it from my credit report. Experian did not remove it, as they claimed that XXXX XXXX XXXX said the account was valid. I did not open this account. Do I need to file a police report for identity theft? I filed a police report last year ( XX/XX/XXXX ) because someone was trying to open credit in my name.
Consumer complaint received 2021-11-30
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. (FL)

OH MY XXXX GUYS WHY YOU PUT THIS INFORMATION ON MY ACCOUNT? I HAVE NO IDEA WHERE IR COME FROM I NEVER USE ANY OF THESE. IM SURE THAT SOMEONE HACKED MY PERSONAL INFORMATION
Consumer complaint received 2019-07-04
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: AMERICAN EXPRESS COMPANY (CA)

Hello ConsumerFinance Team, I have recently Logged into AMerican express and saw that i am pre- approved for Amex XXXX XXXX with XXXX bonus points if i spend {$2000.00} in 3 months as part of Promotion. To Confirm whether i am approved or not i called in American Express Customer Services and spoke to the operator and she confirmed that i am qualified. After i applied i am approved and received the card and to activate i have called customer service again and got shocked by them mentioning that i only get XXXX not XXXX if i spend $ XXXX and i opened a investigation. After the investigation is Finished they never called me and never notified me the status of investigation. Finally i called Amex on XX/XX/2019 and shocked again because they said i am not qualified to get the atleast XXXX bonus points. I Reached to multiple people and they did nothing i have all the email and I feel Amex has all the recordings i would like to open a complaint againt Amex on misleading info and even when i reach multiple times they did nothing.
Consumer complaint received 2018-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (WI)

I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (MO)

I received notice that my mortgage was being sold to Freedom Mortgage back in XXXX 2016, so I called my current mortgage company and asked how XXXX 's payment would work since I had it set up as auto pay. I was told by my old company I would have to pay Freedom for the month of XXXX and they would not auto draft the funds from my account moving forward, so I immediately called Freedom to schedule payment but was told they did n't have all of the documents ready to set up payment but I legally had a 60 day window to the month of XXXX and it would not be counted against me, so I did n't worry and finally everything settled and XXXX 's payment was payed on XXXX XXXX. Boy was I wrong to let my guard down nowhere it is XXXX 2016 and I 'm trying to refinance front om FHA to a conventional and have been told by Freedom I 've been denied based on delinquency from XXXX. I am beyond frustrated because I have never been late or missed a payment prior to my loan being transferred which was out of my control, how is this legal for a company to penalize me when I was in the 60 day window? I am lost as to what I can do I 've tried explaining this to them but they keep giving me the run around, what are my options?
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I keep getting robo calls from a specialized loan servicing vendor at XXXX : " Hello this is specialized loan servicing this attempt is to confirm whether or not you have have been affected by the recent disaster in your area please contact our customer care department at XXXX we are available Monday through Friday XXXX XXXX to XXXX XXXX  mountain time. '' XX/XX/XXXX they have called seventeen times and left seventeen voicemails. 

The dates and times of these calls are : XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XX/XX/XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 
XXXX @ XXXX XXXX. 

This provider is the second mortgage on my XX/XX/XXXX which was originated at the height of the XXXX bubble. The primary lender paid for an inspection of the property and hasn't bothered me. If they want to know if the property has been impacted, they are welcome to coordinate with the primary lender or pay for their own inspection. 

These calls need to stop. I'm not calling and waiting on hold to waste my time dealing with this seedy third rate servicer just to save then a few bucks. I continue to make payments on time and as expected. The nonstop calls are annoying and as a result I have today blocked their robo call vendor.
Consumer complaint received 2021-04-19
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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2019-10-10
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX/XXXX   account number XXXX. This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX   XXXX/XXXX account number XXXX. This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2019, I tried to transfer a little part of my American Express Membership Rewards that I earned by using American Express credit cards to my XXXX XXXX  account. When I initiated the transfer online on the American Express official website, I got declined because they claimed that my points are under review. I then called the customer service number, and talked to them for over an hour, during which they transferred me back and forth among the same two or three departments. In the end, they were still not able to help me transfer this very small amount of points over to XXXX XXXX account. 

I have been a loyal American Express card user, and I earned these points by using my credit card, and I have always been paying the balance on time -- never missed once. I have not used or transferred my Membership Reward points in a very long time. And for this one time I wanted to transfer a tiny part of the points, I was refused to do so.
Consumer complaint received 2019-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Here we are yet again! The laws are not being followed. Under the FCRA, if proof of a contract, a physical signature, a recording by video or phone of a person asking for a line of credit is not available, it can not be verified or validated that SAID PERSON has a line of credit with an individual or company. Furthermore, IF IT IS NOT 100 % TRUTH it can not be reported. In addition, under the FCRA, false reporting can be compensated at {$1000.00} or more per offense. Now lets review this once again! 

Attached you will find letters dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In them are out right lies.

* Cards were not applied for by me * No contract to present * No physical signature to prove it was me who asked for the line of credit or used it * No email received : No in " IN BOX '', " SPAM '', or " JUNK '' * No phone call by me : I do everything my mail/certified mail in case I need to go to court * Card not applied for, as I always do, with my full name. If only middle initial is asked for I leave it blank and enter first and middle name on " FIRST NAME '' line * Copies of statements are not proof of an account in my name for verification or validation by court of law. 

My credit and name have been trashed my XXXX, XXXX, and the people who bought their debts XXXX XXXX. I have asked for 2 years now for proof and there has been none. I have not made payments on these accounts, used these accounts and I did not request lines of credit with these people. I'm willing to stand in front of a judge and state this as matter of fact. These companies can not stand in front of a judge and MATTER OF FACT prove any of the above.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hampton & Hampton Collections LLC (CA)

On Saturday, XX/XX/2019 I received a certified letter in the mail from Hampton & Hampton Collections LLC attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I located an email between my husband and this Homeowner 's Association advising that we have a rental management company, but not directing them to send HOA statements there. 

On Monday, XX/XX/2019 I called the number of the HOA and spoke with XXXX. He said that he sent the statements to the address we provided for the rental management company and didn't hear back, so he took it to collections. He said that in some cases the mail sent was returned. 

I asked why they didn't contact us instead because we would have been happy to pay immediately. He said it was against their collection policy and State Law. He said it was because we directed him to send it to the rental agency, which we did not. I have the email, which the HOA acknowledged. He, in fact, had our email addresses. He also had our current mailing address, as we received the certified letter here. 

I told XXXX I wanted to pay the amount we owe today. He said he wouldn't tell me how much we owe and wouldn't let me pay because the collection agency has it. I asked why he couldn't tell us how much is on our ledger with the HOA and he said that it was against policy. 

I asked him to send me a copy of the policy and the law, and he has not done so. 

In short, we have a debt taken to a collection agency without ever having received a statement. I have never paid a bill late in my life and am willing to pay this now. They not only did not contact me, but are not allowing me to pay my bill and are impacting my very high credit rating.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

In summary I filed a claim with Comenity Bank for XXXX department store credit cards, which are XXXX, XXXX and XXXX XXXX back in XXXX stating that it was identity theft by XXXX XXXX whom was living with me in my dad 's townhome renting room she got access to my personal information and access to my account and also had mail box key. Has committed the identity theft all you after she left she stated she be moving to XXXX. My pas credit history shows that i have never opened up department store credit cards. However in less than year i think XXXX department store credit cards been open. 
Since XXXX have contacted in any form comenity bank I'm waiting for their investegation to finish and take care of these. I didn't receive any correspondence except statement coming in making me responsible for the account when i contacted them they said that since i don't more information on XXXX XXXX i have to pay for the accounts and they wont send it in writing to me. What their doing is completely illeigal. I have filed police report that up to police to find her not me.
Consumer complaint received 2019-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (WY)

On XX/XX/19 I used the online service with Discover to repay the remaining balance of my personal student loan ( in the amount of just over {$4000.00} ). While repaying the loan, the website crashed so my wife and I worked with chat support to start the online payment over again. While doing that, the program again crashed yet again - and we decided to call and speak with a representative in person. That person walked us through the repayment and notified us of the exact amount that would be withdrawn from our bank account to repay the outstanding balance of the loan. 

On XX/XX/19 we saw that Discover had ordered repayment of the loan in triplicate - they withdrew over {$12000.00} dollars from our account in three separate payments. We immediately contacted our bank and Discover. The bank confirmed that Discover had withdrawn the funds three times.

I spoke directly with Discover representatives, who were able to determine that they had in fact made a mistake and requested the funds be withdrawn from our account three times. However, they informed me that they had a 3 day waiting period before I could even request a review of the payments. Additionally, a supervisor informed me that it would be up to 10 business days before a refund could be issued.

Due to their mistake, my bank account was over drafted and payment to another bill " bounced '' due to a lack of funds in my account. Additionally, this has occurred over a holiday ( the XXXX of XXXX ) and thus, the waiting period is being extended by additional days. 

On XX/XX/19 I again contacted Discover to express my frustration. They again informed me that they could see the mistake, however could not issue a refund of the nearly {$9000.00} that they mistakenly took from our account until a minimum of 5 business days.

I have spoken with supervisors and contacted my lending agency, without any recourse.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (IL)

To whom it may concern, I have disputed the accuracy of the bankruptcy listed on my credit report with the reporting agency twice now. Each time they have e-mailed me a decision stating that the entry will not be removed. Twice I have asked for the information used to determine the accuracy of this entry and have not received the information. Under the Fair Credit Reporting Act I have a right to this information. Reference the related section of the FCRA below. I am also attaching the two correspondences from the credit reporting agency stating that the information will not be removed along with copies of the letters I sent and a press release from the XXXX listing the requirements for reporting the judgement. Lastly, I am attaching a copy of a letter from my local county court that states that information is not directly shared or have been requested by the agency. 


611 ( a ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

( 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 ;
Consumer complaint received 2019-07-03
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. (IL)

I called Trans Union on XX/XX/XXXX at XXXX XXXX central standard time spoke with a man name XXXX informed him of a item i will like to dispute because i can not identify this item in question, can he give me any information on the item he said they have no information and that they can not get the contract to prove accuracy and that i can not request a investigation to get item removed i will like to dispute item 1XXXX {$340.00} reported XX/XX/XXXX do to me not being able to identify item and that the credit reporting agency can not provide me with the original contract nore information to prove accuracy
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

The reason for my dispute isJefferson Capital Systems was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Jefferson Capital Systems has  reported a fraudulent account on my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.Jefferson Capital Systems is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where Jefferson Capital Systems, are in compliance with OHIO LAW.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Online banking issue, the 2 step verification process for my capitol one card will not allow me to login, I do not have a cell phone and my landline is a voip number, I have called 3 times to the company they have no way to bypass or to reset the account, they only say that there is nothing that they can do. They used to be able to send an email as verification they say that they do not do that any more.