davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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. (TX)

I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.
Consumer complaint received 2016-06-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants, Inc. pulled my credit report for no reason. There was a fraudulent account from XXXX that was opened under my name, but they did not collect on it ( another company did ). So they had no permissible purpose to pull my credit. They have a consent order in place from the New York Department of Consumer Affairs concerning their handling of collections, credit reporting, etc.
Consumer complaint received 2020-07-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2023-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of XXXX, I signed up for a BOA XXXX  XXXX XXXX credit card with the promotional bonus being XXXX XXXX  miles and {$200.00} statement credit after spending {$2000.00} in 90 days. I met the requirement and was awarded the XXXX miles ; however, the {$200.00} statement credit never posted. I called BOA on XX/XX/XXXX and was told that I did meet the requirement, and my case would be escalated to " research. '' I received a letter in the mail 3 weeks later with a case number with instructions to call XXXX but no other details included. When I called that number on XX/XX/XXXX, the outcome was that I met the spend requirement but none of my transactions were with XXXX  XXXX which they claim was another stipulation for the {$200.00} credit. I unfortunately do not have any screenshots of my original promotion so I called the main XXXX line to see if a representative could confirm what the fine print on my original offer was. The representative explained the offer as XXXX bonus miles after {$2000.00} spend in 90 days but failed to mention the {$200.00} statement credit entirely. When I questioned her on the {$200.00} bonus, she confirmed that that is also mentioned ( why didn't she originally include this? ), and I have qualified ( this was the same outcome of my call in XXXX ). She said she would also escalate to " research '' and when I explained that that was already done, she then said she does see that documented about needing to have a transaction with XXXX  XXXX. I asked her why she all of a sudden could see this information when she omitted it before when I questioned about additional stipulations. Her response was that it was under a " different section '' of the account. I find it suspicious that I would qualify for the XXXX miles but not the {$200.00} statement credit- why would the qualifying criteria be different when the marketed promotion is bundled all together as " miles + statement credit ''? I am asking that BOA mail me the original fine print on the original promotion because I'm usually very careful about fine print and doubt it was there. It very well could be my own oversight, but my interactions with representatives at BOA give me reason to suspect that they are not being fair to their customers.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

I had a credit card with Chase Bank a few years back and it was a credit limit of {$20000.00} and I had a balance of {$19000.00} and change I paid it on time every month until it was paid off. I have called them several times regarding this is not showing up on my credit report at all. It should be listed on all three major credit bureaus as a positive remark. They have not tried to help me regarding this when I called last time they told me they will go ahead and put it through to all three major credit bureaus but they still have n't done so this should be something to impact my credit report because of the balance I paid off!!!! Please have them immediately update this to all three major credit bureaus. 
My ss # XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

The XXXX XXXX Visa credit card was changed to Barclays Mastercard. I have been trying to set up an on line account so I can pay the bill but haven't gotten a reply from them so I can access my account and I have been waiting two hours to speak to someone to help me. I thought my account was paid when it was with XXXX but they took the XXXX information on line down and when I did manage to open an on line account with Barclays I see it was not paid and they have added a late fee to what I owe and now they are not sending me a code so I can't enter my on line account and pay my bill. Their phone number either has recordings which don't understand what I am saying or hours of wait time to talk to customer service. I want to pay my bill and cancel this XXXX card.
Consumer complaint received 2023-02-07
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Partners Financial Services Inc (CA)

Per my credit report, XX/XX/XXXX This collection was placed on behalf of my former employer XXXX XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX 

However this was supposed to come out of my pay checks. I have attached a pay check stub for XX/XX/XXXX where I had paid a total of {$100.00} YTD ( Year to Date ) for " Lodging '' and {$220.00} for Student Loan per my signed contract. However on XX/XX/XXXX my YTD resets to {$75.00} for Student loan and {$25.00} for lodging. XX/XX/XXXX it ads the {$25.00} and {$75.00} again for $ XXXX/XXXX Why? I have no Idea I just worked for them. So far I am missing {$320.00} credit that I paid towards the loan. On XX/XX/XXXX My {$50.00} and {$150.00} disappear again! now I am missing {$520.00} that was deducted from my check and they also did not deduct the student loan per contract. same thing happens on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XX/XX/XXXX I had another {$75.00} for students loan removed, and {$23.00} and my year to date starts all over again. 

You can also see now Tuition Rebate where they give me back {$37.00} Fast forward, XX/XX/XXXX I get a check for {$8.00}, they take out {$44.00} for student loan and rebate me my full rebate to get some of the money back. Proving that even when you didn't make enough XXXX made sure they got their money. 

XX/XX/XXXX shows it more as they take out twice as much for lodging because prior check didn't cover it. 

XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX I get {$50.00} taken out. 
XX/XX/XXXX I am paid {$32.00} Net pay and no student loan deducted, no rebate XX/XX/XXXX I get {$16.00} Net pay check no student loan removed, no rebate XX/XX/XXXX I get {$29.00} Net pay check again no loan removed. 

XX/XX/XXXX I get {$24.00} Net pay check again no loan removed. 
XX/XX/XXXX, XX/XX/XXXX or on my Final check of {$330.00} I also had no loan removed. 

Why? Because the loan according to pay roll was paid in full. This collection effecting my XXXX  credit score that I have been asking for almost 3 years to be deleted. 
I see this as fraud, I had also received harassing phone calls back in XXXX that they was going to take my drivers license away which is illegal. This has effected me from getting a mortgage, made me pay 2 % more on a car loan.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

In an attempt to pay down the principal balance on our mortgage, we have been paying extra money on our mortgage payments. Wells Fargo, however, is not applying the payments to our mortgage or even to the account at all. They are holding the money as " unapplied funds ''. They claim they can do this as we are allegedly a month behind ( we are n't ) and the deed of trust says they can do this. We have been unable to find where this alleged language is in our deed of trust. We have told them to apply the funds to the principal balance or to refund the money to us. They have continued to hold the money as " unapplied funds '' while charging us late fees. We have read the Deed of Trust which they refer to in their X/XX/17 and can not identify any language saying they can hold this money. Wells Fargo continues to send us monthly statements showing they are holding this money that we have sent for application to our mortgage payment. There is no reason for this money to not be applied to the account, especially if, as they allege, we are behind in payments.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am unable to obtain a payoff statement from Bank of America. I have requested a pay off statement online, over the phone and in person. Bank of America has not provided a payoff statement, and I am unable to speak with anyone who is able to provide a payoff statement. I even went into the local Bank of America branch where a nice lady worked for over an hour to find someone who could generate a payoff statement, but ultimately, she was unsuccessful and sent me home. 

It seems unfair and abusive for Bank of America to not provide a payoff statement. It seems that they are trying to force me to keep my mortgage and pay more interest to them. If they are unable to provide a statement soon, my closing will be delayed, which will result in Bank of America making additional money. This unfair and abusive business practice should be illegal ( or maybe it is ).
Consumer complaint received 2019-08-09
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (CA)

I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus. 
When I called the medical office, their automated service told me there was no balance owing.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX I deposited a check in the amount of {$98000.00} dated. The check was made out to my company XXXX XXXX XXXX. The check was dated XX/XX/XXXX check number XXXX. Before I allowed XXXX XXXX to deposit the check I explained to him what the check was for. I have a asphalt contract with XXXX XXXX XXXX. He called someone on the phone and came back and assured me that there would be no issues. He stated that {$49000.00} would clear within 5 days and the other balance of {$49000.00} would clear five days after that. Before the money was to clear I received a message stating that my account had been closed. I also received a statement stating that {$98000.00} was in my account. I went to the bank he requested that XXXX verify the check. They did verify the check. He stated that the account would be reopened and it would clear in 7 days. Once again no money cleared. Went back to the bank and told me that the check would be mailed out. No check was mailed out. I called the bank and a rep stated that the check was being held in the vault and I should get a letter in the mail as to what I needed to do. No letter has come and no money has come. XXXX XXXX requested that the money be sent back. No money has been sent back. XXXX XXXX has not been helpful he has been giving me the run around. When I call the bank they leave me on hold and he never picks up. He does not answer emails. The prje3ct is now on hold because I have no money to pay the workers or buy asphalt. I need the money to be returned back to me or back to the sender.
Consumer complaint received 2017-09-18
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. (CA)

XX/XX/XXXX I am a victim of Identity Theft. I tried to report this to TransUnion and XXXX both today.
However, upon contacting them both on their websites and calling their phone numbers. 
I was blocked from moving forward because of all the FRAUDULENT INFORMATION on my credit reports. 

On Friday, XX/XX/XXXX I contacted XXXX to first report the IDENTITY THEFT. This complaint was already filed with your agency subsequently -- Complaint Number XXXX. 

Please help me to get this corrected. Thank you!
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

XX/XX/XXXX : I acquired a mortgage through Wells Fargo, and bought my homeXX/XX/XXXX : I lost my full-time job where I made $ XXXX/year at no fault of my own ( budget cuts ) XX/XX/XXXX : I contacted Wells Fargo immediately, who put my mortgage on forbearance due to financial hardship. Home Preservation Specialist in XXXX XXXX Iowa, said on recorded phone conversation that at the end of my forbearance, we could modify the loan so my missed payments would be put at the back of my loan. Also that there would be other options available if I did not want to do this, like pay the overdue balance in installments over time. It was discussed that having options would not be an issue. 
XX/XX/XXXX : Forbearance extended to XX/XX/XXXX due to me still not having found a full time job XX/XX/XXXX : I found full time employment XX/XX/XXXX : I contacted Wells Fargo Home Preservation to begin the modification options previously discussed. 
XX/XX/XXXX : Wells Fargo responded saying I have no modification options, and to pay the {$35000.00} delinquent mortgage or sell the property. 
I now have until XX/XX/XXXXt to pay delinquent money. Wells has now not given me any options to retain my home, and gives me 3 weeks to come up with the delinquent balance. How is this fair? If Wells wants to keep their mortgage portfolio in good standing why would n't they work with me? I 'm employed and ready to start paying.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CMRE Financial Services, Inc. (CA)

I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.
Consumer complaint received 2023-01-29
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (GA)

I orderd a couple pairs of shoes from XXXX XXXX for my mom when I received them they did n't fix her and they do n't have half size shoes or larger size, so I returned them, next thing I knew XXXX said, you have to pay for the return, I had no ideal there was a charge to return them. 
so I had to dispute with XXXX, they say they were sorry and that was it. 
so I continue to get bills for plus late fee of XXXX dollars and the amount of return was XXXX dollars so after months of billing me XXXX was due for XX/XX/XXXX bill to comenity.net.
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

The attached letter reflects If you have questions about this issue, please call XXXX at XXXX, extension XXXX. I called 5 days ago and have yet to receive a return call. I wanted to discuss several other points in the letter. The letter also reflects We investigated and found the account was valid because we received payments from accounts in your name. You later confirmed that the account is valid. Yes I made payments on my card but not the payments that bounced in XXXX that allowed the credit limit to be exceeded. The letter also reflects Due to retention timeframes we are not able to confirm how the phone number was updated. This should have been investigated in XXXX so the timeframes would not have been relative. The letter also reflects However, once an XXXX is returned because we were not able to locate the account, we suspend that checking account for future XXXX usage????????? This isnt correct. There were multiple large fraudulent payments. The letter also reflects You requested additional information about the payments and the person making the payments. We are not able to provide that information based on our privacy policy. This makes no sense. My account, fraudulent payments, and Chase wants to keep the thief private. The letter also reflects On XX/XX/XXXX, you mention that you knew the person that used your card and on XX/XX/XXXX, you stated that the suspect might have used to card for purchases on your behalf. Due to retention timeframes we are not able to provide you with a summary of the call from XX/XX/XXXX. I knew the person who I listed on the sheriffs report. This is a problem of recording calls or interpreting what someone is saying. I stated I didnt know what she purchased. I thought the question was idiotic.