davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These account are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (OR)

Back in late XXXX my check book and purse were compromised so I had to close my checking account. So I called Net Credit and told them I needed to change my checking account information with same bank but different account. She said I couldn't change the information over the phone but to email XXXX and they can change the account information. She said send a copy of a new check. So I initially emailed them on XX/XX/XXXX with a pic of the check from my phone. Unfortunately my phone used my XXXX email which isn't associated with my account for Net Credit. I was asked to resend the information from the email associated with the account. So I did that. My next response was that they needed a " voided '' check in order to change the account. So I resent a voided check. Then the response was to send my ID because my name on the check didn't match the name on the account. So I did that. Then I get an email confirming the account information and responded with " I approve '' according to the directions. The next response was we can't change this account because there is a pending payment. I knew the payment wouldn't go through but they initiated it a day early. So I never heard back except that my loan is now delinquent which I was trying to prevent. I have sent several emails asking them to change the account with requested pictures ( previously sent ) as they requested. I have called and can now not get through to a person. I'm told the wait is 4-6 minutes but I've tried three times as of today to no avail. The account is still not changed online as of today, and they are initiating yet another payment on XX/XX/XXXX which isn't going to clear. I'm extremely frustrated with the lack of communication from this company, and what appears to be " stall '' tactics so they can charge me late fees and even higher interest. There is no option to make a payment online with a debit card or to edit your banking information.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2022 I've sent a wire transfer from my account at Chase for the amount of {$1000.00} to my account abroad. Money has not been received by the receiving bank. 

Correspondence with the remitter bank ( Chase ) revealed that the destination bank is now in XXXX XXXX list, that's why Chase has blocked the full amount ( no refund ) on their designated account. Their wire services suggested filing for XXXX license to unblock funds. 

After filing the application for XXXX license, supplying them with necessary information about the transaction, I got the response that information about the blocking has not been sent to XXXX ( which should be done within 10 days from blocking per XXXX regulations ). 

Chase representative now claims that the transaction has been complete and that they don't don't see the relevant correspondence in the Bank XXXX XXXX system ( it is still there ).
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (MD)

Today XX/XX/2021 I received a denial letter in the mail. The denial reason had nothing to do with my lack of credit worthiness. The denial reason was identifying information didn't match. My credit score was listed as a XXXX on the letter which isn't the best but definitely worth an approval. I also was approved for XXXX when I pre-approved which is the only reason I even applied. This pre-approval is a misrepresentation and created an adverse action. I received nothing but I am sure XXXX has received compensation for my personal data. I have received nothing in return for my personal data
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

Hello I am requesting that my sercurity freeze be removed from my credit report. 

Name : XXXX XXXX DOB : XX/XX/1980 SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.
Consumer complaint received 2024-02-20
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 am submitting to address the matter of the alleged debt associated with my account. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$14000.00}
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (AR)

I have reach out to SN Servicing because I was sent a letter saying I was {$15000.00} behind in my mortgage when for a XXXX I have been sending in the payment amount of {$600.00} and when I called they were very RUDE to me as I was trying to understand what happened and why they said I owe that amount because my escrow had went up, I was not aware that it had went up or that my payments had changed. I completed a loan modification to try and reduce my payments so I can continue to live in my home and was told I was denied. I spoke to XXXX XXXX and she said her investors told her to go forward with Foreclosure. I am not sure who my XXXX Holders are and I am not sure what is going on, I have not been getting any mortgage statements in the mail. I was calling and leaving messages and resorted to e-mailing trying to get some help with this matter. Once I realized my insurance is what made my escrow go up, I have found some cheaper home owners insurance but they are refusing to pay it.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (NY)

I signed into my account and it stated my card was close. I was not notified at all that my account has been closed and I feel like my rights has been violated. Paypal had no authority to close my credit card and I would like my card to be reopened immediately.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Good morning, I applied different cc disputes against the same merchant for the same reason. All the disputes i have applied were closed by citi in my favor with 100 % refund except one. The one testi d still pending, Citi claimed at first that I have been refunded by the merchant which was not the case. Then citi stated that I did not submit the documentation which is also not the case. Now they are claiming that the date is past to make the claim. When I call I am passed from person to person and each one has a different reason for why the dispute has not been settle. Citi seems unwilling to resolve the final dispute and keeps putting me off after repeatedly attempts to have this resolved. It has been since XX/XX/2020 that I have been trying to explain and provide detailed information and proves about this dispute to citi
Consumer complaint received 2018-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: De Lage Landen Finance, LLC (CA)

When asked how was the amount owed, {$37000.00} calculated, they said they spent too much time on my file and if I don't respond today they will move to legal. XX/XX/2021 They offered my {$7700.00} settlement but I am not sure if original amount is correct.
Consumer complaint received 2021-12-08
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 am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I sent in a copy of my police report with Equifax detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.
Consumer complaint received 2021-06-01
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: AMERICAN EXPRESS COMPANY (MD)

There was 117 charges made on my Serve American Express temporary card from XXXX XXXX that I filed in investigation into of unauthorized transactions. They denied my claim after 10 days. These charges were taken out all on one day, and were unauthorized.
Consumer complaint received 2023-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC (CO)

I was recently denied credit expressly because a loan account on my credit report is listed as an UNSECURED loan. 

The loan in in question is by all definitions, a secured loan. This was an installment loan I obtained from GoodLeap for HVAC system and plumbing repairs. The loan agreement explicitly describes this loan as secured, and details the collateral used as security. Additionally, the creditor filed a UCC-1 Financing statement declaring their security interest in the property. 

The TILA disclosure on my loan agreement clearly describes the security. 
Section 5 of my loan agreement reads " GRANT OF SECURITY INTEREST IN COLLATERAL. To secure this loan ... '' and then goes on to describe the property used as collateral securing the loan.

Section 8 of my loan agreement REMEDIES, paragraph a ( 3 ) describes " Foreclose on the Collateral ''.

Section 9 states that upon termination of the agreement, " our security interest in the Collateral will terminate ''. 

I called GoodLeap to ask that the erroneous reporting as an unsecured account to the credit bureau be corrected to accurately reflect that the loan is secured. Over the course of nearly two hours I was told by 4 representatives that my loan is an UNsecured loan, and that they would not report anything different to the credit bureau ( s ). 

The word " Collateral '' appears in my loan agreement exactly 31 times. The word " security '' appears 12 times. The word " unsecured '' appears XXXX times. 

When confronted with the language in my loan agreement, the last representative I spoke with agreed that the loan agreement describes collateral that is used to secure the loan, and also agreed that the UCC-1 filing declares GoodLeap 's security interest in the property. However, they still asserted that it is an unsecured loan and that they would take no action to correct how this loan is being reported. 

Unsecured debt is weighted differently than secured debt in credit decisioning, and this debt being classified as unsecured has negatively impacted my ability to obtain credit with other creditors, that I otherwise would have qualified for.
Consumer complaint received 2021-12-08
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. (IL)

I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with Transunion via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are XXXX XXXX  and XXXXXXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called Transunion to tell them what the two banks said. The Transunion representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to Transunion. My concerns are that this process is inconvenient and causing me stress  and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Consumer complaint received 2021-02-28
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. (NJ)

Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong
Consumer complaint received 2021-10-21
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 have call XXXX XXXX they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Strada Education Network, Inc. (MD)

On XXXX XXXX, 2020, I received an email from Student Connections on behalf of XXXX College. The email listed an incorrect address for XXXX XXXX. XXXX XXXX is part of XXXX and the email instead listed the address for correspondence to XXXX XXXX XXXX XXXX XXXX ( which is part of XXXX ). As such, I was provided with false and misleading information that, had I chose to incorrectly contact XXXX at that address, could have jeopardized the ability to correctly pay my loans.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I obtained a copy of my credit report and noticed this negitive account that is not mine. I never done and business with a company named XXXX. 

Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe : Provide me with signed copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2021-06-01
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. (FL)

I, XXXX XXXX, checked my credit XX/XX/XXXX of XXXX and realized that my student loans were reporting 5 late payments each in XXXX. I don't understand how that is possible when they have been deferred properly since I finished school. According to FCRA 15 USC 1681 ( a ) my report is inaccurate and unfairly being reported. The credit bureaus are in violation of my rights
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, Bank Of America placed a lock on my account placing a block on my card after two months of sending me a replacment card and receiving proof from The Employment of Development Department ( EDD ) of Eligibility/Idenity. Contacted Bank of America I was forwarded to the Bank Of Americas Risk Dept. who reasoning for the block was suspious activity, after verifing recent transactions along with personal information listed on the account the risk dept. denied access to the account and refuse to remove the block off the account pending identity verification by the sponsor ( EDD ). The Bank Of America refuse to re-open the account even after being contacted numerous of times by the Employment Development Department ( EDD ), and provided the information they requested. Bank Of America was notified that funds has been removed from the account and numerous of unauthorized online charges on the account after being report stolen/locked by Bank Of America, EDD of California stated that they have provide Bank Of America the information requested and EDD can not access funds, On XX/XX/2021, Bank Of America placed a lock on my account placing a block on my card after two months of sending me a replacment card and receiving proof from The Employment of Development Department ( EDD ) of Eligibility/Idenity. Contacted Bank of America I was forwarded to the Bank Of Americas Risk Dept. who reasoning for the block was suspious activity, after verifing recent transactions along with personal information listed on the account the risk dept. denied access to the account and refuse to remove the block off the account pending sponsor provide customer identity verification. The Bank Of America Risk Dept. did not remove the account hold, even after being contacted numerous of times by Employment Development Department providing Bank of America with the requested information. There has been unauthorized online charges and funds has been removed from locked account, informed by EDD of California that once the funds has been issued they can not be removed or reversed nor cancelled once they are issued Bank Of America refused to reverse charges or investigate account activity.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have call XXXX XXXX they provided with a letter that they deleted the chapter XXXX from t their data base experian got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies