davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Javitch, Block & Rathbone LLC (TX)

Hello, I paid a settlement offer to Javitch and Block XXXXPayment for XXXX XXXX They refused to give me a valid receipt, saying that there is a 14 day hold on my payment, they have the money the amount is gone out of my bank as of today. The company refused to answer the phone to communicate. Their website has an email. I even tried to communicate by email and without success they never returned or replied. 
1. wont answer the phone 2. wont email me a valid receipt but have my money 3. They stated they can not give me a receipt until XX/XX/22 4. Not sure this is a legit company.

5. Wont return emails, calls, nothing They state it is the company policy to not send emails out to consumers so they cant send me a receipt for my money. 
They wont give phone extension to follow-up and they refuse to follow-up
Consumer complaint received 2019-05-19
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. (NJ)

I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to Transunion. 

I further called up transunion and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and Transunion for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Our company, XXXX XXXX XXXX, XXXX, is a XXXX XXXX XXXX XXXX. We handle closings of real estate transactions on a daily basis. On XX/XX/2020, we closed the purchase and sale of a property that had an existing mortgage from XXXX XXXX  to be satisfied with the closing funds. As standard operating procedure, our paralegal for the closing initiated the wire of {$550000.00} to satisfy the XXXX XXXX  mortgage. However, our office email accounts had been hacked and she had unknowingly been provided with fraudulent wire instructions. The money sent to satisfy the XXXX XXXX   mortgage was instead sent to Capital One. A representative from Capital One called us on XX/XX/2020, to notify us that the money had been received by Capital One, but they were questioning the origin of the wire. We immediately requested the return/recall of the wire, but Capital One refused our request. We've since been required to communicate with Capital One through our bank, XXXX XXXX. Neither XXXX nor Capital One has given us any indication of when the funds will be returned. 

This incident occurred over four  weeks ago and we still have no indication of when it will be resolved. Our office is a victim in this transaction, but we are not receiving any guidance from Capital One about the status of the funds that they received. We need Capital One to expedite the recall of the funds so that our client 's XXXX XXXX   mortgage can be satisfied.
Consumer complaint received 2017-10-14
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. (WA)

I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 my edd debit card with Bank of america was closed due to edd needing identification verification which ive done. In the process claims filed with Bank of america were reversed. Now that my account is unfrozen n active my account was supposed to have been fixed n been brought back out of the negative balance and hasn't and the claims department refuses to clear it up. In the process my card was stolen back in XXXX and unauthorized transactions were being made as i was in the hospital for 2 weeks. Bank of america refuses to put credits back and reimburse me on the unauthorized transactions.
Consumer complaint received 2020-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (MA)

XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

There are inquiries on my credit report that are older then 2 years. These are inquires from XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NV)

My husband and I owe a debt for leaving a leased apartment early and breaking that lease. We are not disputing that debt. We have agreed to pay automatically {$400.00} per month to resolve the debt over time. The debtor is not reporting that we are paying as agreed, and further, they are increasing the balance monthly regardless of the payments when reporting to the three credit agencies. 

When I contacted them, they refused to report it correctly on my credit report stating, 'how do we know you will continue to pay us after we give you a letter reporting you are paying as agreed, we've been burned before '. 

Additionally, in the comments section of the reporting, which is being re-reported every month, they note that this account is being disputed, which is not true. They continue to do this month after month. They say they aren't doing that however when I call the 3 credit reporting agencies, they report that this is happening monthly. The company is bullying us and wants us to settle with them for more than {$5000.00}. 

They are aware that we are attempting to get a mortgage on a new home and intentionally doing this to create harm and problems with our credit reports. The company is called Hunter Warfield Collection Agency, and they are out of Florida. They are very rude on the phone when I have called to complain about this as well.
Consumer complaint received 2024-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC (TN)

I received mail saying I owed a medical debt in regard to my daughter that I know we do not owe- we have double insurance and she is fully covered no out of pocket costs. I attempted contact via phone to Wakefield Associates by calling XXXX to which a male answered the phone when I tried to describe the situation, why I was calling and requested proof that I owe the debt he proceeded to talk over me and was extremely rude. I was calling to request that they do not contact me in regard to this anymore as I do not owe it but the person I spoke actually hung up on me. I then called back to notify them that I do not want them to contact me in regards to this debt as I do not owe it, and to notify them that he refused to provide me the proof that this debt is mine by hanging up on me. She said she would notate all of this on my account.
Consumer complaint received 2021-02-26
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. (VA)

I filed Chapter XXXX XX/XX/XXXX. It was successfully discharged ( paid in full ) XX/XX/XXXX. The United states Bankruptcy Court sent this information to the credit bureaus. Two accounts were not updated with Experian. They are XXXX XXXX XXXX and XXXX XXXX. They were part of the bankruptcy and listed on the documentation provided to me by the US Bankruptcy Court. Even though the Bankruptcy Court sent official documentation, so did I. I mailed the official documents XXXX. I noticed by mid XX/XX/XXXX, there was no response or acknowledgement of receipt when checking my Experian account. I then filed a dispute online and uploaded the official documents. I received a response my dispute was complete. I viewed the accounts and no change was made. I called Experian and upon explaining my issue, I was told to dispute again. I did and the same thing happened. I called Experian twice more and yesterday an Experian rep placed me on hold and then the connection was lost. Within 30 minutes I received an email stating the dispute results were ready. I checked my Experian account and nothing changed. I called Experian again today and asked to speak to a supervisor. The supervisor stated they couldn't help me. I have been trying to get resolution more than a month for this issue and this is my life that they are playing God with. I need help and don't know where to turn.
Consumer complaint received 2019-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I been making payments consistently on fedloans and they are not processing my payments and now my credit score went down 90 points so I cant even get a car and its because of them Ive been making my payments and its completely unfair
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/2020, I have been notified by 2 mortgage companies when applying for a loan that Experian is not allowing access to my credit files. In working online on their website, it is impossible to contact them except by phone or mail -- no online contact. In using the phone, no matter which number I call and which option I choose, I always get a robo-answer as to what services are available, then a curt 'Goodbye '. Can not get any further by using their phone option. 
At some time in the past, I asked for and received a " CreditLock ''  on my files -- differing from a " Credit Freeze '' -- this is what is causing my problem. I need to lift the CreditLock but am unable to access their system using their online instructions to contact by phone. 
Twice now, I have had problems with mortgage banks trying to access my credit information and now have been denied a refinance opportunity by XXXX XXXX XXXX XXXX due to the inability to get to the Experian information. 
Experian will not let me delete the CreditLock by following THEIR instructions. 
Need some help from them, please.
Consumer complaint received 2021-10-09
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)

On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX XXXX and XXXX XXXX  as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted Transunion and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Transunion, XXXX and XXXX. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2019 I received a hard inquiry from the company XXXX XXXX that did not belong to me. I reached out to the company and they sent me a letter stating after further investigation that the inquiry was not mine. They also stated that Equifax could not remove the inquiry but yet change it to a soft inquiry. I've sent paperwork to them as well as XXXX XXXX. When I spoke with Equifax they told me they could not remove the inquiry. This inquiry was not me and I do not want it to remain on my credit report. I've had a similar experience with the company XXXX and it was removed with no problem.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Due to XXXX XXXX 's Immigration Lawyer, XXXX XXXX, & Operations Manager, XXXX XXXX, money was wired from my account Domestically & Internationally on the following dates : XX/XX/XXXX for {$2600.00} for XXXX XXXX XXXX XXXX ; XX/XX/XXXX for {$3400.00} for Security Clearance ; XX/XX/XXXX for {$5600.00} for Non Resident Overseas Account ( XXXX Bank XXXX ; XX/XX/XXXX for {$4200.00} for Administrative Fees ; and XX/XX/XXXX for {$6000.00} for Government Tax Levy Fees. 
All of these wires were scams & JPMorgan Chase Bank informed me that they can't help me retrieve my funds, nor put in an incident ticket, which were to fraudulent accounts in which Chase had no issues releasing my money from my account in the first place. 
The tracking numbers I have been provided are as follows XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2018-02-14
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. (MO)

XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a commercially reasonable manner may give you a claim against that creditor for damages or a defense against a deficiency judgment
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority (GA)

On Georgia student finance its states i was passed due for 60 days. & I sent my enrollment paper that stated I was still in school. & my information have not been updated. & if you could help me get the information that would be great.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I was recently contacted back in XX/XX/XXXX by a debt collection agency by the name of XXXX. The male representative was very adamant and convincing that this was my debt. He went on to tell me that failure to comply and make payments would result in me being sued and having my check garnished. I immediately got frightened. I'm a XXXX XXXX and live off my tips so the thought of my check being garnished had me alarmed especially when I just XXXX XXXX. The representative went on to say that I had a credit card through Bank of America and I owed them over {$1400.00}. Me not aware of what was being reported on my credit report at the time and not taking the time to realize that I never applied for a Bank of America credit card, I agreed to make a monthly payment every month towards the balance. I have currently still been making monthly payments up until last month. Just recently I contacted Bank of America something I should have been done and discovered that this account was a charged off account and that it was open in XX/XX/XXXX. I  am a victim of identity theft. I spoke with a representative from Bank of America and she informed me that there was no balance owed on this credit card account and that they did not sell this account to any debt collector agency. She said this account was past the 7 year mark and that I shouldn't had been making any payments. She said that there were no second or third party companies involved nor did they sell my account to a debt collection agency.