davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have accessed my credit report and shows that my score has gone down 29 points. 1. Incorrect addresses that I have previously disputed 2. Collections account that I have disputed and reported as fraudulent, 3. Hard Inquiries that I have previously disputed AND 4. Former employers that I have disputed. After the last dispute is this what EQUIFAX does, starts to add old XXXX that was prev8diaputed and things out of no where?!?!! This is XXXX me off and affecting me as I continously stress I HAVE XXXX XXXX and this is NOT good. What the XXXX is going on? I say that XXXX was the cause of my first hospitalization and EQUIFAX looks they are in competition to put me back. If this is funny, it is not done me especially losing the use of XXXX i.e. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MO)

Enhanced Recovery Company had received the debt from XXXX and placed on my credit report XX/XX/20. They sent bill to my address claiming I have debt. Call received from ERC immediately requested validation of said debt which I never received. I requested validation on their website XX/XX/20 and never received and they continue to call and or send bills. I also requested validation of debt on XXXX XXXX and haven't received it.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (TX)

I have received a bill for {$120.00} from FIRST CREDIT SERVICES , INC. on behalf of XXXX XXXX XXXX XXXX, TX. The debt is supposed to be an outstanding balance. 
I cancelled my membership with the XXXX XXXX   earlier this year due to another issue I experienced with them over my wife and sons membership. I had to cancel twice via XXXX XXXX XXXX website which is where one has to terminate the service. The first time $ XXXX/month continued to leave my account, a desk representative in the XXXX gym said that it can not have registered in the system and to try again. 
I tried again and this time I was rewarded with a message telling me that I could expect to see another {$10.00} go from my card before the account was finally closed, this should have been the XX/XX/XXXX payment. This duly happened and I thought the account finally closed. A month later, in XX/XX/XXXX another {$10.00} went from my card, this is when I called XXXX and told them I was disputing the payment and to not make anymore to XXXX XXXX - XXXX, TX. The XXXX payment was cancelled by the bank. 
From the date of the cancellation until now, I had not heard from XXXX XXXX - XXXX, TX, they permitted the bill mount up and then turned it over to FIRST CREDIT SERVICES , INC . 
There seems to be something fraudulent where one can only cancel a " service '' via a website controlled by the service supplier. I have experience of going onto the XXXX   XXXX  - XXXX, TX website on two occasions and my cancellation ignored. There is no guarantee of achieving success in their system. 
I have a prior experience with XXXX XXXX XXXX - XXXX, TX which was very hard to cancel inXX/XX/XXXX.There was no website and I finally had to send a recorded delivery letter to an address in Florida to have my account closed. Why did I join the XXXX branch? My wife signed me up as a surprise when I was out of the country, and as I was already enrolled, I used the gym when I was in town. Last year, XXXX, the gym failed to update my wife and sons payment details when I presented my new credit card at the gym, a huge bill for the pair of them was ran up with no notice given. I decided to pay their bills and resign myself, this is where we are now. 
I called the FIRST CREDIT SERVICES , INC. and spoke to a representative on Tuesday XX/XX/XXXX. He told me to write a letter to their office at XXXX, NJ. This has been done and we await a response.
Consumer complaint received 2021-07-19
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. (DC)

transunion is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. Transunion discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. Transunion did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. Transunion lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue transunion and its board members for malfeasance. Transunion also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. Transunion is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and XXXX  reports. I have reported Transunion to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. Transunion KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. Transunion is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. TRANSUNION ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, TRANUNION WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! TRANSUNION AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.
Consumer complaint received 2019-09-15
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. (GA)

TransUnion continues to report inaccurate information on my report. They reported that I was no longer an authorized user on a XXXX XXXX account, however, this account had been closed years ago. They are reporting my debt as high for my student loan as having missed payments. This is incorrect, as my payments don't begin until after I complete my degree which will be 2023. They also did not remove a collections account after I submitted documented proof that it was incorrect. They are a complete scam and I will take legal action.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/2019 I called pra because they showed up on my cbr while talking with the rep I asked what is the ssn they have on file she stated a ssn that doesnt match mine. I dont understand how they can add something to my cbr and the ssn doesnt match
Consumer complaint received 2018-10-23
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. (IN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2018-12-26
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. (OH)

On XX/XX/2018 I wrote a letter to Equifax disputing a bankruptcy that was being reported on my credit report. On XX/XX/2018 I received a reply back from Equifax Confirmation # XXXX stating the information I disputed has been verified as accurate. They claim their source was verified by XXXX XXXX. 
I received a statement from XXXX XXXX on XX/XX/2018 stating they removed the bankruptcy from my consumer report. They went as far as to send me my consumer report and it shows no records being found under the Bankruptcy records section on my report. 
For Equifax to reply that it was verified as accurate was a blantant lie and they tried to deceive me. That is a clear violation of Fair Credit reporting Act 623 which is clear injury to my credit report and credit score.

I am enclosing all of my proof here.
Consumer complaint received 2019-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had applied for a mortgage modification with Select Portfolio Servicing on XX/XX/2019. At the same time I was seeking information from two different banks as to whether I may be able to qualify for a refinance on my loan. There were some things i needed to pay off on my part to boost my credit rating in order to qualify and this took a couple of months. I stayed in touch with Select Portfolio to let them know what I was doing so as not to let them think I didn't want the modification. I needed that to stand in case the bank loans didn't work out. 
During the time I had forgotten to send my hardship letter as part of the mod request. I had until XX/XX/XXXX to get it to them. In a phone call to many Select Portfolio reps I was told that they would extend the time for me to get the hardship letter in since I wanted to see if the Bank loans would work out first. One representative even told me that they actually had one on file from a previous request and that they could use that. 
Eventually it was taking me more time to get my credit score where I needed it to be before the Banks I was seeking a refinance with would consider doing it. So I got my hardship letter prepared to send to Select Portfolio. I called and spoke to a representative on XX/XX/XXXX to get information on where I should send my hardship letter and was told that the modification was cancelled due to the hardship letter not getting there on time. I had previously spoken to a rep about it that XXXX XX/XX/XXXX who told it would be fine if I got it in on Monday. No warning that the modification request would be cancelled by then. I was misinformed by multiple representatives and i find that unacceptable. 
I am still trying to work with 2 banks to refinance but have a foreclosure date two weeks away on XXXX XXXX. 
I have disputed this decision by select portfolio directly with there Ombudsman Dept. and have gotten back no response from them and with a foreclosure date set in two weeks. I believe this foreclosure date should be postponed and I should be aloud to reapply for a Modification.
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 a technical training company charged my debit card {$590.00} for a product I did not request. I called them for an online training course I needed to secure work, and they told me to purchase the course from their website that day. I followed their instructions, but the course I was sent via email was not the course I requested from them. I did not use the course they sent and called their agent immediately. The agent blamed me for getting the incorrect course and demanded more money if I wanted the course I requested. Further attempts to get assistance from the company were not successful. I contacted my bank to file a complaint. My bank issued a temporary credit, but later reversed the credit and awarded the money to the tech training company. I hired a lawyer to attempt to resolve the issue, but training company would not issue me the course I requested or give me my money back. I tried to re-open the complaint with my bank, but they told me I had no recourse. I sent a letter to the Executive Office of the bank to register my grievance. I still don't have my course or my money.
Consumer complaint received 2019-04-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

My name is XXXX XXXX. My wife and I are XXXX veteran and undergoing refinancing of our house to pay off creditors and student loans. We were with XXXX XXXX company but they were $ XXXX above Amerisave 's quotation, Amerisave mortgage company that contacted us stated they c an beat XXXX 's quotation. I talked to XXXX XXXX and he stated that " I needed to show some skin to show that I was serious with the loan and that was on XX/XX/2019 and on the XX/XX/XXXX th Amerisave deducted {$500.00} out of my XXXX XXXX checking account. Days went by and I was getting impatient of non responsive reply from XXXX regarding my refinancing and I had left several voicemail and had talked to his office mates and left messages to contact me. I also informed them that if they're not completing the transaction to refi ... to give back my {$500.00} back. I asked XXXX XXXX ( my XXXX mortgage financier ) if he knows which agency should I contact to informed them of Amerisave illegal act and unprofessionalism. 
Attached below is a copy of my mission bank statement regarding the {$500.00}.
Consumer complaint received 2019-09-15
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 (IL)

American Express membership rewards has switched to views/screens that do not allow for someone to reconcile the points we SHOULD receive per the terms/conditions/charges etc. vs. what they maintain in our Membership Rewards account. They do not show how/when amounts are added to or removed from the account in a way that supports a simple monthly reconciliation. This is exascerbated by the fact that I've recently had to deal with a multi-month issue where they were not provided the Membership Rewards points as described by the terms and conditions of the card used. After months and months of complaints, American Express finally admitted an issue and simply sent an email saying something like " we identified an issue. It's resolved. You don't need to do anything else ''. They never provided the details of how the issue affected my Membership Rewards account balance, they never provided any numbers for how things were resolved etc. 

Now that they have made it impossible for users to reconcile, any future issues will be almost impossible to catch because there is no transparency to the Membership Rewards account posting credits and debits. Rather, they simply show a PARTIAL listing of transactions which at some point ( we never know when ) apparently switch from " pending '' ( aka not included in account ) to " posted '' ( aka included in account ). 

The new updated website makes it impossible for a consumer like me to hold Amex accountable to the terms and conditions of their rewards program.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (NY)

I am a victim of fraud I have disputed this directly with this creditor numerous times its on record and I have sent them all of the necessary documents they said that they needed from me to properly investigate this fraud. they claim the account was open in personal on XX/XX/XXXX of XXXX in Ohio, which is impossible for me to do so because I was currently at New York at the time and the proof is also in my bank-statement for the date of XX/XX/XXXX which shows I had a physically withdrew and deposited money in the XXXX, New York XXXX I have sent them proof of my bank statement as requested from the months of XXXX and XXXX as requested which is when they claim this fraudulent account was open and had monthly payment activity. I have also disputed this with the credit bureau and you guys stated it was valid and verified which is impossible because I have never opened this account .I need this fraudulent account removed from my credit report. This is preventing me from applying for a mortgage at the moment and so many other things. I also attach and sent them an affidavit that was signed and notarized, this is truly affecting my life. I am a victim of identity theft and I have exhausted all my resources and kept documents of all the calls and disputes I've made in an attempt to have this resolved with this company. if this is not removed and cleared from my name and my Experian credit report ASAP, I would be contacting a lawyer to seek litigation for damages.
Consumer complaint received 2019-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

I moved into a house from a apartment, I canceled my lease and paid all fees before turning in my keys. The apt manger advised me nothing else was owed when I paid them in full the day I left. I received a letter from Hunter and Warfield stating I owed them close to {$600.00}. I stated I owed them nothing and to please not contact me again. They have repeatedly called me and my wife. My wife was a financial party to contact.
Consumer complaint received 2019-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

Stop communicating with me vis mail, you say your not harassing me. Continuously sending male is harassing me. Stop enough You seem to think i am someone you can push around with all your lawyer talk sorry nope. 
According to the Fair Debt Collections Act this communication is supposed to stop after the time barred debt. It has not even through mail that is a type of communication. This wad passed this year XX/XX/2019. 
As you can tell by this website I have tried to fix this numerous times, it continues.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My husband noticed a fraudent charge on my credit card bill while I was overseas. The amount was {$1200.00}.

After contacting the credit card they refused to dispute the fraudent transaction and will not credit me back.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I supposedly owe {$8700.00} for an XXXX XXXX account XXXX, I have attempted to dispute the debt with verification from XXXX that it is owed. I then attempted to contact the collections agency ( Midland Credit Management ) to find my account after failing to create an account due to invalid information. I called them and gave them my full social security number and name, as well as birthday, and they do not have the account with my full information. I also contacted the creditor for resolution but they are not able to help.If they do not have an active account tied to my information, how are they claiming I have any debt owed to them when they can find nothing with my information?
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I received a phone call from Best Buy consumer protection dept asking if I applied for a credit card my answer was no because I never did the representative told me that someone tried to open a credit card in my name but I dont need to worry he will close the account and mark fraudulent The he continued to ask me if I can provide my social security no. I refused and I said you can tell me the social you  have on the application and I will answer if its mine or not he refused and hang up On XX/XX/XXXX I noticed that a Best Buy account was added to my credit report with a charge of {$4000.00} dollars I never applied for an account and I never purchased anything thing from the store
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

RE : Complaint XXXX about HSBC HSBC offers a  {$200.00} bonus to open an online checking account. I applied months ago and was declined. The ending questions were supposed to be about my credit, and none of the questions were about me or my lenders. I complained to CFPB. HSBC just replied this date, XX/XX/XXXX, saying they did nothing wrong. So I tried to apply again and was declined. This time I printed everything. Question 1 asks me if I  opened an account in XX/XX/XXXX from XXXX, XXXX XXXX, XXXX, or XXXX. No, I didn't. These are not my accounts. Question 2 asks me about XXXX XXXX ; yes, that's my account. Question 3 asks me about a mortgage I opened in XX/XX/XXXX, but that mortgage company, XXXX XXXX, is not listed in their multiple choice. Question 4 wants me to report the mortgage monthly payment, and my payment is higher. Question 5 says I closed an auto loan, but XXXX is not listed. I obviously will not be able to open this online checking account and receive the {$200.00} bonus because it expires in 2 days. Please see the printouts I've attached. HSBC says " Unfortunately, there were discrepancies in the information provided when compared to your credit report and the applications in question were declined. ''