davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio recovery agency purchased two of my debits owed from a credit card I defaulted on. Portfolio recovery agency filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. In XXXX the two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. Portfolio recovery agency responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MI)

XXXX was closed without documentation submitted by XXXX XXXX reviewed. Close review of documentation submitted by XXXX XXXX to CFPB shows information was submitted for someone with the last name XXXX, a submitted Lease containing multiple leasees ' which was voided by XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/2017, two different apartment numbers ... one in the Lease and another on the Statement, no payment information showing dates and amounts of rental payments as well as the last date of payment. This is why court documentation and a court judgment confirming the accuracy of the reported debt has been requested. XXXX XXXX refuses to substantiate the debt with legal court documents. I am requesting again that XXXX XXXX provided court documentation and a court judgment to substantiate the reported debt. Submitted documentation by XXXX XXXX confirms the act of merging information from other accounts to confirm the reported debt. Legal court documentation and court judgments will confirm the debt and should be provided to CFPB.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC (GA)

I'm struggling with identity theft. I really didn't expect this to happen to me. As a result, they are suffering financially and psychologically. It's very scary and terrifying to see someone use a card that I haven't used yet. I sincerely hope that you will promptly correct the incorrect information and show the correct information.
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

In XX/XX/XXXX, I filed to recertify my student loan payment. My husband and I filed separate XXXX returns and I deliberately waited until they were processed before filing the recertification. I requested XXXX to review the tax information provided by the IRS transfer tool and switch me to the lowest payment plan ( this was confirmed by the agent ). However, when they re-certified it, they didn't switch the plan and they re-certified it at a higher payment. When I called to ask what they were doing, initially the agent told me it was because I had " access '' to my husband 's income! I know that's not true and I asked her when they decided that was a factor. Then she came back and said that unless I specifically told them to put me on the IBR ( which would have excluded my husband 's income ) their version of switching me to the lowest payment plan was to keep me on the same payment plan. Then she told me I needed to apply all over again but tell them specifically which plan I wanted or they would just leave me on the REPAYE. Since when do they just make up the rules about which plan they want me to have and ignore my requests or the law which says not to include my spouse 's income if we file separately? What if I literally had no knowledge of how this works and just accepted it? I'm sure there are many people that do not know how the payment plan options work and would have just accepted it. I plan to call back and request a supervisor who will hopefully be able to help me without me having to wait another month for a proper revision.
Consumer complaint received 2022-09-16
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX, Account 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 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 an account without my written instructions.
Consumer complaint received 2022-09-16
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-14
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. (NM)

Trans Union, XXXX  and XXXX  are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Consumer complaint received 2022-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OR)

I attempted and failed to make a payment arrangement with Ally Financial. Admittedly, I'm behind on my loan ( new to this experience ) due to brief unemployment. I get it, they want their money. BUT they refused to provide XXXX with a XXXX or XXXX payoff amount, and also are refusing to take any payment from me, or provide me with a XXXX or XXXX payoff amount, which I believe is required by law. Just trying to find a solution here, and am met with literal laughter in the background and unprofessional phone calls that lead nowhere. I believe that Ally is breaking the law.
Consumer complaint received 2019-04-02
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. (CT)

On XX/XX/XXXX I filed a complaint with Experian about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. 

Both letters were sent via certified mail and the signature receipts are attached to this as well.
Consumer complaint received 2018-03-29
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: ALLY FINANCIAL INC. (OH)

I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. I just settled with another company about the same inquiry and they found that I didn't authorize the use of my information for a car and I already have a car with with.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

I have been on a repayment program with Wells Fargo since XXXX 2015. Set up my first payment of {$200000.00} on XXXX XXXX, then XXXX XXXX, XXXX XXXX, and then called today to set up a payment on XXXX XXXX. I was told by the representative that I was breaking the program rules by setting up the payment so late, I advised her I have been on this program since XXXX and this is the first time I have been told that. The account manager would talk over me and kept saying I needed to set it up on XX/XX/XXXX and that I just could n't call in when I felt like it and set up a payment. I asked them to escalate the call and finally set up a payment with XXXX and opened up a case with them advising her I am tired of everytime I call in the rules to this program seem to change.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I REQUESTED AND DISPUTED 1 FRAUDULENT ITEM ON MY EQUIFAX FILE TO BE REMOVED AND BLOCKED WHICH IS XXXX ACCOUNT XXXX. INSTEAD EQUIFAX HAS EVERY ACCOUNT ON MY FILE REPORTING IN DISPUTE. THIS WAS NOT REQUESTED BY ME IN ANY LETTERS SENT TO EQUIFAX.
Consumer complaint received 2019-04-02
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. (NV)

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our XXXX XXXX dropped to XXXX4. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.
Consumer complaint received 2019-04-02
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. (NV)

A year ago, my husband XXXX was diagnosed with XXXX XXXX XXXX XXXX  XXXX. 
We have worked long and hard to build an exemplary credit history and had a strong credit score of XXXX. We had no late payments and no negative reports. As part of my husbands preparation for treatment, knowing that he wouldnt be able to manage our finances regularly, he set up automatic payments on our {$4500.00} XXXX credit card debt, amounting to {$150.00} per month ( above the minimum ), to continue until he was able to return to health and make further arrangements. 

Unfortunately, without our knowledge, interest on our debt increased and our pre-arranged payments no longer covered our monthly obligation. Thirty- and Sixty days late charges began to accumulate, and as a result, our credit score dropped to XXXX. XXXX XXXX recorded our dropping score, but didnt reflect any issues with XXXX. The cause of the decline was, at first, a mystery. 

As soon as we learned about this situation, just over two weeks ago, we called XXXX to resolve the issue and make arrangements to pay off the balance. We were told the debt was out of their hands and had been sent to collections. 

We spoke to our local branch manager, Mrs. XXXX XXXX, who understood our situation and attempted to solve the problem. She explained our predicament to a relevant supervisor, only to face the same response : We cant do anything. 

Though we can provide proof that we never missed a payment, our credit remains severely damaged. Again, our credit shows no late payments. In fact, our credit report shows no late payments from any of 15 other creditors. Only an insane person would pay everybody else and disregard one creditor. After working years to establish perfect credit, our compromised credit score means we can not refinance our home or pursue our life plans. The direct impact on our lives, however, is far more fundamental. 

Our efforts toward establishing perfect credit are part of our dream to establish a family. I have recently found out that I cant have children of my own. We have been working with the XXXX XXXX adoption agency in XXXX XXXX to adopt a child, that is my life long dream. I was born in XXXX as my father was U.S. Military and my mother XXXX. This low credit score will disqualify us from adoption.
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance XXXX  XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance XXXX XXXXXXXX Late Dates XXXX
Consumer complaint received 2019-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NC)

ATTENTION CFPB THIS A NEW ACCOUNT AND A NEW COMPLAINT DO NOT CATEGORIZE THIS AS A SAME COMPLAINT TYPE SEND THIS TO JPMORGAN CHASE BANK I have reported fraud to Jpmorgan chase bank since XX/XX/XXXX I just got a copy of my XXXX credit report WITH A NEW REPORTED JPMCB ACCOUNT where there is a documented account as follows JPMCB ACCOUNT # XXXX I have over 1 million dollars PLUS INTEREST DUE ..that as I have reported in XX/XX/XXXXand to the present day via fax certified mail EMAILS PHONE CALLS and in person etc to Jpmorgan chase bank/ XXXX XXXX /XXXX XXXX And I finally found a account that is probably linked to my identity thieves AND MY LIFE SAVINGS AND OTHER MONIES since XX/XX/XXXX. I request all documents Related to this account asap from JPMORGAN CHASE BANK sent to me via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Sent the company a copy of Police Report and Identity Theft Report. They sent a letter saying they decline acceptance of it. 

Due to I obtained goods or services, called them and they didn't have a proper reply. 

File number XXXX
Consumer complaint received 2022-09-07
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. (NY)

My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.
Consumer complaint received 2022-05-04
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 XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-15
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. (MS)

I have two credit cards with XXXX  XXXX, and I am an authorized user on a family members XXXX  XXXX and XXXX card ; and all four cards are not reporting to my Equifax Consumer Report. 

I called XXXX XXXX and XXXX and they both told me that the information was sent to Equifax and to call them. I called Equifax and they told me to call XXXX XXXX and XXXX. This is very frustrating because these card are being reported on XXXX and XXXX, I highly doubt they would send the information to just two bureaus and not the other.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (TX)

I have been a BBVA Compass Credit card holder for about a year and in XXXX and XX/XX/XXXX, I made some early payments with the thought of covering my upcoming big credit card charges. 
BBVA put a freeze on my card due to large credit balance. 
I contacted the bank multiple times in XXXX to allow me to process charges. Their customer service said there is nothing wrong with credit card and I can use it. But whenever I tried to use in stores, I get a decline. 
I made an over payment of {$11000.00} Tired of my money getting blocked, I asked the CSR if I cancel the credit card, will they refund the credit balance and the CSR said yes. Hence, I went ahead and cancelled the card in XXXX. 
But I still did not get the refund. 
After numerous calls, in mid-XXXX XXXX, they said they sent me a check. My online statement showed a line item as 'Credit Balance Refund ' of {$11000.00} on XX/XX/XXXX but I never received a check. 
I continued to make the calls. In XXXX, I was able to speak to one representative XXXX who was the only CSR out of 20+ reps I talked who was at least tried to make an effort to resolve it and he gave me his extension. 
He said that they sent the refund to 'Check Free ' who I used to send payments from XXXX XXXX bill pay service. But they were unable to provide me any tracking number. 
When I contacted check free, they could not find any refund and they asked for tracking information. 
BBVA has no tracking number, no details other than saying they sent the refund to Check free. 

1. I made 50+ calls, talked to 20+ people at BBVA and spent 50-80 hours either talking or on hold. They do not have any call logging or conversation tracking system. No one has any idea about previous history. I do not understand how a bank in XXXX has no call logging, no trace or money transfers and still exist as a financial business. They should be shut down long time back due to lack of these basic features. 

2. My money is blocked for 6+ months and they are not helping.