davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
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: Amsher Collection Services, Inc. (FL)

AMSHERCOLLECTIONSERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Has falsely claimed that I am in debt with their company and placed this debt on my credit report. At no time have I ever been in direct contact, done any business or sign an agreement with this company stating that I will pay them for services they provided for me. Therefore have no right to claim I am in debt with them. 

XXXX is also at fault for reporting this information on my credit report and claiming that their information was valid after my dispute.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-06-25
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. (MI)

XXXX XXXX fromXX/XX/2017 

I've tried Experian to remedy this situation, but it's been to no avail. Everytime I dispute this they say it comes back verified from the court? But I contacted the court and they informed me that they dont give out any information to the credit bureaus. It also said that the Information was verified through XX/XX/XXXX, a third party. Well I have myXX/XX/XXXX file and it shows noXX/XX/XXXX on there. I will be uploading those documents. If this cant be resolved, I will be forced to pursue further actions, notwithstanding legal procedures against the Experian credit bureau.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint with the CFPB on XX/XX/23 regarding XXXX XXXX. It is fraud and the account needs to be removed and permanently deleted from my credit. XXXX 's response was that An account record was deleted. It was not. They also contradict stating the company has certified the account is accurate. HOW DID THEY CERTIFY THIS FRAUDULENT ACCOUNT??? They FALSELY claimed they sent me detailed information and they DID NOT. They all lied to the CFPB. So I have to file a new complaint. Its clear to me that there is a major problem with my personal information being compromised and used. There is a Wyoming address on my credit and I have never stepped foot in Wyoming. I am a victim of identity theft and fraud.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CO)

I had a Wells Fargo Propel World XXXX XXXX card. The annual fee for this card is {$170.00}. I was charged this amount on XX/XX/18 for a card being renewed on XX/XX/18 A Wells Fargo Banker mentioned that if I switched to their new Propel card within three months of the expiration of the card, the annual card fee would be refunded in full. 

I called on XX/XX/18 to make this switch, and was told that the switch could not be made on that day, but I should call back in 2 days. The agent I spoke to explicitly confirmed that the card fee would still be refunded with the product switch. 

I called back and switched to the new card, and again confirmed that the card fee from the old card would be refunded. 

After a few weeks I hadn't received a new refund, although the account had been cancelled and a new account opened with a different card. I called Wells Fargo, and they said that I was still owed a refund, but that it sometimes takes a few billing cycles to process. 

In XXXX I still hadn't received a refund, and I emailed Wells Fargo. At this time I was told that I was only charged {$25.00} and this had happened in XXXX, and no refund was owed. I asked for a fuller explanation and was told that the first response was completely wrong, and that I had in fact been charged {$170.00}, but that I wasn't eligible for a refund. 
I asked them to investigate and explained the conversations that I had on the phone in XXXX, and that the agent had noted that a refund was due. 

Wells Fargo promised to investigate and have the 'Executive ' team contact me within 2 business days. Wells Fargo failed to contact me in the meantime, and has ignored all written questions since then as well.
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have made payment of XXXX $ through XXXX in bank of america. I just realized online retailers scammed me and i want to recall this transaction. But when i call bank of america they said they cant do anything.
Consumer complaint received 2023-04-10
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. (CA)

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 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous account that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$760.00}
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

As of XX/XX/2023 Experian has my birthdate listed incorrectly. 
As of XX/XX/2023 Experian, XXXX, and XXXX are all showing different total accounts open, different status of certian accounts and misleading numbers on the total balances across the board. 
As of XX/XX/2023 Experian, XXXX, and XXXX all are displaying discrepancies in payment dates, status of accounts, and opening dates, As of XX/XX/2023 Experian, XXXX, and XXXX all are showing my Student loans from XXXX  on my credit report which is against the privacy act, all the loans are up to date and I have the right to privacy of the status, due to the deferrment act passed by the president,
Consumer complaint received 2023-01-18
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: JPMORGAN CHASE & CO. (MD)

I have reach out different occasions to resolve this issue on XX/XX/2022, XX/XX/2022 and XX/XX/2022 on the wrong information that's being reported on credited report.
Consumer complaint received 2022-11-16
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. (PA)

I have been reaching out to XXXX XXXX for almost the last three years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from XXXX XXXX about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.
Consumer complaint received 2020-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One Savor One card, on Capitol One 's website, when I was offered a promotion to receive {$150.00} signup bonus for spending {$500.00} in three months and 0 % APR for 15 months ( starting at sign up, XX/XX/19 ) on all new purchases. 

I have spent the required {$500.00} and they are refusing to honor the promotion. They say I didn't sign up under the promotion. I have asked them how their system says I signed up and they can't or won't give any specifics. I was careful to follow all the instructions for the promotion given on their web page. I asked if I somehow didn't qualify and they verified that the problem was not qualification, but that their computer said I didn't sign up for that promotion. 

They have also charged me interest on at least one billing cycle. 

The promotion was not targeted or specific to me. It was available to anyone who applied ( and was approved for a card ) on their website, which is what I did. 

This is, at best, a computer error and at worst deceptive business practices. 

The promotion is still available today and I have found evidence of it running continually from as far back as XX/XX/XXXX, using cached web pages from " The XXXX XXXX '' internet archive. Examples are attached. This offer was available through capital one 's web site and was also advertised by other sources.
Consumer complaint received 2018-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The Midland is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to Midland. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.
Consumer complaint received 2023-01-12
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-25
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. (MI)

There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I completed a transaction with a buyer on XXXX on XXXX/XXXX/XXXX and payment was made to my PayPal account. The buyer then claimed my item did not arrive and opened a dispute. I tried to inform PayPal that this was simply not true and I spoke with the employees at the place my package was sent to but I heard nothing back and the money was removed from my account on XXXX/XXXX/XXXX. The person who bought my item was using a third party shipping service. This means I ship to that business and they ship to him in XXXX. It is unfortunate that my attempts to prove the buyer was lying went unheard and essentially the money was removed unfairly
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (VA)

On XX/XX/2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a 0 dollar deductible and 0 dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this has since been corrected and the claim has been paid, leaving no patient responsibility. 

our files show that although you are not the network provider, your claim was submitted indicating you agreed to accept assignment. therefore, you have agreed to accept the XXXX maximum allowable charge as payment in full. the beneficiary is only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.
Consumer complaint received 2019-04-19
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. (TX)

I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX TX. XXXX XXXX, XXXX, XXXX CARD, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Tracking number # : XXXX Mortgage Company : Caliber Home Loans I had a pip break in my kitchen on XX/XX/2018 and I had to file a claim with my homeowners insurance company and settled the claim in late XXXX. We received payment for the repairs of the house however, our finance company is listed. I contacted my mortgage company right away for the steps to take in order to have the payment endorsed. They are requiring a contractor to fix the house in order for them to release payment to the contractor after the repairs are done. The problem is that my husband and I have met with several contractors and non of them are willing to repair my house for the amount the insurance company settled for. I told Caliber Home loans that I would like to have the payment released to us for self repair as it is too expensive to hire a general contractor to repair my home. After numerous documentation forward to them and numerous contacts caliber still insist that their is not they can do for us and we have to get a general contractor even if its more money to fix the house. The resolution specialist that has been handling our claim states that the only way they can release the payment to us is if we send them receipts of the repairs ... .... how can we repair the house if we dont have money??! She even went as far as telling my husband to get a loan to repair the in the meanwhile they may decide to release the funds to us. I have a hole on the outside wall of my house where water is still coming in through, its been a nightmare with this mortgage company. They refuse to make an exception. I need to repair my house because we are still in Hurricane season and XXXX forbid one comes and damages the property even more. Caliber Home Loans has hindered myself and family from living a health and happy life in our home just because they are not willing to make an exception. They also want us to pay for the post appraisal to the residence after its repaired for a fee of {$30.00}. If its documentation that is needed for their file, we as the borrowers should have to pay it. I pay enough. Im going through a hardship now where Ive even lost my job and they still wont help me. All I want is for them to approve my claim and endorse the payment in order to fix my house. I just want to fix my house! Please help me!
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have am looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name is XXXX XXXX please remove any different names from my report they are not accurate. My address is XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are NOT accurate please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding , LLC is reporting alleged debts of {$3200.00} ( Acct # XXXX ) on my credit reports without any standing & in violation of the Texas Finance Code/Section 392. Their reporting is harming my credit reputation. Their actions are also in violation of the Texas Deceptive Trade Practices Act, actionable by triple damages. I have sent them the required 60 notice to cure per DTPA statutes and I intend to pursue a claim against their XXXX bond on file with the state of Texas. There is roughly 30 days left on the 60 day notice to cure. In addition, Midland is in violation of the Consumer Financial Protection Act of XX/XX/XXXX ( Administrative Proceeding File # XXXX ), as there is a standing consent order since XX/XX/XXXX. Please advise.
Consumer complaint received 2022-04-07
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

XX/XX/XXXX I took out a loan for {$2500.00} from XXXX XXXX while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of New York but living in California ( I provided them my NY license ). 

XXXX XXXX is licensed to make installment loans, however I can not find a copy of a license to operate out of Utah until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of Ohio ( but not Utah ).

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by XXXX XXXX, which I did not know until a later date. 

My loan was then sold to National Credit Adjuster who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, XXXX XXXX has not returned phone calls or emails. I then went ahead and reopened the case with XXXX but XXXX XXXX has stated " Due to the sale of XXXX XXXX debt, XXXX XXXX does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to NCA at : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX '' On XX/XX/XXXX I was notified ( by NCA ) that records showed I made XXXX payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one XXXX XXXX and the other National Credit Adjusters )
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY KEY REASON FOR ONLINE BANKING OPERATIONS IS TO AUDIT MY BANK ACCOUNTS FOR ACTIVITIES DAILY DEALINGS WITH BANK EMPLOYEES INTO MY BANK ACCOUNTS. 
XXXX MISSING FROM MY CHECKING ACCOUNT. THE FACTS AS OF XX/XX/2016. 
WITHDRAWALS {$400.00} dollars and SPENT {$20.00} FOR GROCERIES, LEAVING MY CHECKING ACCOUNT BALANCE AT {$120.00}, ADDITIONALLY, AS OF XX/XX/XXXX A CREDIT DEPOSIT CAME INTO CHECKING FOR {$220.00} BRINGING THE ACCOUNT TO {$340.00} THE BANK IS PROCESSING {$220.00} FROM CHECKING TO THE LINKED SAVINGS ACCOUNT WHICH SHOULD LEAVE ME A CHECKING BALANCE OF {$120.00}, BUT THE CHECKING ACCOUNT BALANCE IS ONLY AT {$18.00}, THE ACCOUNT IS MISSING {$110.00}, THIS ALWAYS HAPPEN WHEN BANK EMPLOYEES ARE MAKING TRANSACTIONS INTO MY BANK ACCOUNTS, THANK YOU.