davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: EDvantage LLC (FL)

For the past 2 years I get numerous calls as early as XXXX as late as XXXX from Tuition Options. I had a scholarship that covered my classes. I sent letters, emails and talked to them via phone to resolve this with no resolve. I asked the calls to stop, but no luck. 
I attended XXXX XXXX XXXX in 2013. 

I have phone recordings with times/dates.
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (ID)

XXXXThis Company took a stackable washer and dryer out. When it was put in, they hooked it up wrong twice. 
It was a XXXX person job and XXXX was sick so XXXX did it, It was to heavy, he chipped my NEW tavertine, scratched it, and hooked it wrong once again. They chipped up my walls hallway, and it was fresh construction. 
Came back to try, to redo washer and dryer, steam coning from a hose miss put in. Knocked a piece off plaster off, and said whoops. 
Paid {$190.00}. for XXXX to come in and correct their mistake, If anything they owe me money. I have written a letter with pictures of damage to the management, This was not a emergency thing, had problems for months, they where the only company available. I got a {$500.00}. dollar estimate to re paint and fix damage. 
However I have sold this property and am done. I would be happy to send you my letter of complaint if I have a e-mail address. 

XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-04-14
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. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-06-20
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. (NV)

TransUnion is reporting opened date and payment history in this account XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account from my credit report.
Consumer complaint received 2016-08-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC (CA)

The above listed descriptions of the behavior of the agency are not exactly descriptive of what they do, but I had to mark one option in order to be able to expand on the subject. Let me explain. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. The mortgage bank purposely lost the mountains of documents they requested and in the process protracted the home loan modification period to well over two years. Two years of suffering, not knowing whether the next month we would still be living in the same home. And this is after cooperating with the bank and yielding to their every whim. Regardless, I am so grateful of having achieved this and of my clawing back from a situation that forced others not as fortunate to fall. Tragically some of my debts went without recourse and I lamentably could not pay them back. This credit card debt is one of them. The reason I stated the best description of the issue as being communication tactics is as follows. I noticed that collection letters this company has sent to me appear to be from supposedly the same debt collection company. What I found is that each letter comes from a different entity that is at least outwardly, similarly labeled but importantly different in their content. If you are not careful, you could fall for XXXX of the XXXX statements and options they present to the you, the debtor. For example on one form, they state that because of the age of the debt, they wo n't sue me. On another letter, that is still under the same name overall but a different direct entity, they make no mention of not suing. In fact in this version of the letter they threaten to pursue a judgement. So which is it? Either they wo n't sue me or they will depending on the very vague statement that depends on which form you receive and at which point in the timeline? These are very disturbing tactics that quiet frankly took me an inordinately long time of analysis to catch. They do stress however that they will continue to report it to the credit reporting agency if I do n't pay the balance that I owe plus the interest accrued. I have enclosed images of what they send me routinely in the mail so the reader can compare both communications ; in my opinion very deceitful and dishonest. I can not help but wonder how many unsuspecting people have been the victim of this form of manipulation of the written media. This must be stopped!! These are legal firms with bar-authorized attorney carrying out this form of misrepresentation. Your group could do a great deal to correct this
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I received a negative remark on my credit report. Nissan put that i paid my car payment 30 days late. I did not pay it late. I paid it online and their system rejected the transaction. I wrote them and letter and called them and they still refused to remove. please help
Consumer complaint received 2015-08-22
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (IL)

I applied Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX, 2015, and got declined due to less of relationship with Wells Fargo. I do n't understand why no prior business relationship could be a credit card application decline reason. My interpretation of this credit decision is trying to force consumer apply their other products first to be eligible for their credit card approval. ( for example, banking accounts, etc ).
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022, I submitted a credit card dispute to Chase Bank via fax for two charges that I incurred from two merchants, XXXX XXXX and XXXX XXXX XXXX. The background and my rationale for disputing these charges are detailed in my letter to Chase ( attached to this complaint ). 

Not hearing anything, I contacted Chase via phone three days later. The customer service rep was able to see the fax that I sent, but the dispute wasn't processed ( for reasons not explained to me ). With me on the phone, the rep then walked through the process of starting a dispute. 

A few days later, I noticed an account credit for the XXXX charge on my electronic statement, but nothing for the XXXX XXXX charge. When my statement closed this past week, I see that the XXXX charge was reinstated. 

Chase has never contacted me to either notify or explain their reasons for rejecting the disputes. I am still out {$1700.00} and have nothing to show for it.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Upon using XXXX XXXX XXXX , XXXX ( Conserve ) to consolidate my student loans, I received a letter from XXXX stating that I did not have to make any payments until XX/XX/XXXX, 2017,  and that my new payment amount would be {$740.00}. Upon receipt of this letter I called XXXX to confirm this information. My payment amount was only {$430.00} and I was told by XXXX that their records did not indicate any letter of that kind being sent out to me. 

I have uploaded a copy of this letter for your verification. Please investigate this fraud and help me prevent this from happening again. 

Your prompt attention to this matter is highly appreciated. Thank you.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (NM)

Greetings! I am a member of XXXX XXXX XXXX, that is to say, I have a savings account with them. I am satisfied with this product so I went in to open a checking account. I was given an " Adverse Action Form ''. They could not allow me to open a checking account. They use a reporting agency who discovered that I owe money to a bank called BMO Harris. I 'm quite certain that I have never done any business with this bank. So I gave them a call. The clerk I spoke with asked for my name and SSN, which I provided to her. She said that her records indicate that my SSN reveals a debt owed to them. However, my name does not match the name they have on file linked to my SSN. As I said : I believe that I do not owe this particular bank any money and the fact that they do not have my name on file reinforces my opinion. Please help me get this item addressed. Thank you, XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/2023 Hello XXXX, Experian, and XXXX, I disputed XXXX XXXX, XXXX XXXX on XX/XX/2023 and everything came back verified. 

How is that possible when the date opened is incorrect for both accounts, and the account status is also incorrect on both accounts they are supposed to be closed. 

Can you send me the description of the investigation according to 15 USC 1681i ( 7 ) no later than 15 days. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (TN)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (NY)

My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$460000.00}
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/22, I received an identity verification transaction alert from my XXXX monitoring service. I called XXXX who then told me that fraudulent bank accounts were opened in my name with TD bank. I called the TD Bank Fraud line to alert them of the fraud. They told me they closed the accounts. I contacted the FTC to file an identity theft report. As a part of the identity theft recovery process, I requested a letter from TD Bank to state the following : the fraudulent account was not mine, I am not liable for the account, and it was removed from my credit report. They denied my request for this letter even though I went in person with all my identifiable information and IDs.

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that they provide me with copies of business records relating to the fraudulent account identified above. The law directs that they provide these documents at no charge and without requiring a subpoena, within 30 days of receipt of my request. 

Without the above mentioned information, I am unable to file a police report without the evidence of fraud that they have in TD Bank system due to TD " bank policy ''. They are actually breaking the law by not giving me this information. I need the police report to report this to SSA and the FTC.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX 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 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX/XXXX with no successful resolution. XXXX, XXXX, and XXXX   only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (PA)

I contacted Freedom Mortgage on XXXX/XXXX/XXXX to inquire as to the status of the PMI being charged on my loan. I was informed that the PMI was scheduled to be terminated in XXXX XXXX. Freedom Mortgage stated that, as of XXXX/XXXX/XXXX my LTV is XXXX. When I stated that my PMI should be automatically cancelled when the LTV drops below XXXX. The rep told me to write an email to Customer Care so Freedom could research the issue, which I did on the same day. My husband called to follow up on XXXX/XXXX/XXXX as we had not received a response to my email. Freedom told my husband that, in order for Freedom to consider our request to drop the PMI, we would be required to secure a new house appraisal at our own expense. Further, Freedom stated that, when making the decision to drop our PMI, they would take into consideration that they do n't have 12 months of payment history from us. My husband noted that this is the XXXX or XXXX time the note has been sold since we purchased the house in XXXX. 

The information provided by Freedom is in conflict with information provided by CFPB. Our original amortization schedule lists XXXX XXXX as the ending date for the PMI. However, we have paid above the monthly principal due almost every month since the beginning of the loan.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I submitted a complaint some weeks ago on inquiries with transunion they deleted the ones I didnt need deleted from my report but now all the inquiries on my report are the incorrect ones. XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-02-27
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. (NY)

This account was open in XXXX of XXXX - I do not owe this debt as I was not a legal signer or co-signer of this auto loan. I did not have a valid Drivers licence or ID at that time even if I wanted to sign for it. Regardless of that the purchaser of the vehicle received documentation showing the repossessed vehicle was being sold at auction and he would be responsible for the remaining balance. The balance has not been reflected to show the purchased amount of the vehicle ( which cleared the {$2600.00} remaining amount that was owed on the vehicle that STILL shows on MY report ) - and was closed out XX/XX/XXXX which makes it over the legal amount of time this debt can be reported on my Credit report. It still shows on my Equifax credit report with a balance due, the wrong date opened, along with a whole slew of incorrect information which the XXXX XXXX nor XXXX XXXX has attempted to change or verify.