davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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 the following accounts have violated my rights. 

1. XXXX  XXXX Account Number XXXX in the amount of {$440.00} 2. XXXX XXXX Account Number XXXX in the amount of {$4800.00} 3. XXXX XXXX XXXXXXXX Account Number XXXX in the amount of {$840.00} XXXX XXXX XXXX XXXXXXXX in the amount of {$1400.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (MO)

I received a bill from XXXX XXXX XXXX for {$95.00} last year. I paid {$600.00} for XXXX XXXX XXXX and used only half of the XXXX appointments due to COVID. I called XXXX XXXX XXXX, and requested the amount be taken out of the balance of my account, which was accepted. 

I then received a letter from Kansas Counselors , Inc in XXXX, XXXX seeking to collect on a supposed debt of {$95.00}, which I had already contacted XXXXXXXX XXXX XXXX about. I wrote them a letter seeking debt verification, and explaining the above. I received a letter on XX/XX/XXXX that contained the same bill that I had already contacted XXXX XXXX XXXX  about, but nothing about the amount that XXXXXXXX XXXX XXXX still owed me ( {$300.00} ballance - {$95.00} = {$200.00} owed to me ). I am not sure if XXXX XXXX XXXX was recently bought out, as Kansas Counselors statement is from XXXX XXXX XXXX, which I have never had a business relationship with.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting late notations on my credit file for XX/XX/20 and I ask that they please remove them. During the beginning of Covid my company had a really hard time and we were impacted from start to now. We ended up closing for a few weeks during this time. I went during this time with no pay so once I was finally working, I could pay on my account. I have been current since. I ask that Wells Fargo please make a one time goodwill adjustment to remove the late from my file.
Consumer complaint received 2021-06-07
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: Bread Financial Holdings, Inc. (OR)

Comenity Bank is reporting a late payment. I have already called them multi times and they are in violation of 15 usc 1681b ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I have already requested that they do not report my private information with a non affiliated third party. This late payment they are reporting came from a credit consumer transaction and it should not be reported. It should be exclude from my report.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Amsher Collection Services, Inc. (TX)

On XX/XX/2019 XXXX XXXX reporting on my report. I don't consume a XXXX XXXX account, I have had XXXX XXXX through my company phone for 6 yrs now. it shows a balance of {$300.00}. This is my only Derogatory mark on credit report ever. This is reporting on all reporting agencies.Please remove, this isn't mine and is truly affecting my score. Thanks so much
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

This company is constantly calling me. I have records of the back to back, constant calling from them. I have asked them previously to stop the constant harassment but they continue to do so. They start these constant phone calls with a day or so past due and continue to call constantly ALL DAY until you make a payment. I have phone records to show this and it is not an isolated, one time thing. This happens all the time. Just today XX/XX/2021 I have received 5 phone calls from them starting at XXXX ( it is now XXXX EST ). They also email you as well. This is harassment!
Consumer complaint received 2018-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have had this loan since I purchase my home in XX/XX/XXXX. In order to pay this mortgage off faster I have been paying it weekly of the monthly amount divided by 4 plus additional amount towards principal ). Whenever the amounts of the weekly payment reaches the monthly amount due, the remainder in that month 's time is supposed to go immediately towards principal. Instead, in early XX/XX/XXXX the extra amounts had been sitting in suspense and not until I called them a dozen times did they start moving them over to pay down the principal. Not once did I get an apology OR any kind of retribution or reimbursement of interest. Finally it was corrected. Last month I called and increased the amount I would pay towards principal and all of a sudden the same exact thing is happening - the extra amount is sitting in suspense. I called them on XX/XX/XXXX and had to escalate 3 times until I spoke to a manager who promised to resolve this. IT STILL HAS NOT BEEN CORRECTED. What do I need to do to fix this? 
FYI : These are the following people that I have spoken to from the onset of this problem. 
XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, manager XX/XX/XXXX XXXX, customer service rep XX/XX/XXXXXXXX XXXX , Supervisor XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
Consumer complaint received 2018-02-09
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (FL)

I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and XXXX and Im only getting a reply that the information was updated.
Consumer complaint received 2021-02-02
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. (NJ)

XXXX XXXX is reporting the account attached incorrectly. The open date on XXXX and XXXX is XX/XX/2015 and on Transunion its XX/XX/2015. The past due amount on Transunion and XXXX is XXXX and on XXXX  its XXXX. On Transunion and XXXX it shows 120 days past due and on XXXX  it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

I received a phone call from a scammer saying my payment to the XXXX XXXX XXXX had been outed from my Chase bill pay to the wrong address and that i needed to go into chase bill pay and redo the payment in the XXXX bill pay option. I did this.. When I realized that something was wrong I went to bank and called they told me they could do nothing that I had submitted the payment. I talked to 3 different phone recorded calls and went to two branches of chase.. No one would reverse the payment. My phone call was immediately following the transaction and still reads pending but they would not reverse it.I was asked to contact XXXX the bill pay chase uses and they told me beings I did it on my chase bill pay I would have to talk to them. This scammer knew my numbers ...
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. 
XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (VA)

Received call XXXX asking for a different name but then corrected the name. Wanted to verify personal information. I indicated I wouldn't verify any personal information. Indicated they were calling from Nat. Credit Adjusters and had an offer with only a few days left before it went to an attorney. Advised i didn't know who they were or why they were calling. Asked me to verify my name, DOB, social security number, mailing address. Told them if they had business, please send something via mail. Said they had sent 6 mailings so I asked if they would send another because obviously i hadn't receive the others. 4 days later I receive an alert from XXXX indicating I have a new collection account from NCA with an original creditor of XXXX XXXX. I disputed the account with XXXX because XXXX XXXX had the XXXXXXXX XXXX account and the civil suit was non-suited in court in XX/XX/XXXX. XXXX XXXX and XXXX had deleted the accounts from my credit file. Continued to receive calls from different numbers from Nat. Credit Adjusters. Dispute came back unchanged so I contacted XXXX. Representative from XXXX verified the XXXX XXXX and XXXX accounts were deleted in XX/XX/XXXX and Nat. Credit Adjusters didn't post the account until XX/XX/XXXX. She reopened the dispute. Each time Nat. Credit has called I have refused to provide any personally identifiable information other than my name and have asked they contact me by mail. I have received nothing to date and haven't received anything confirming the validity of the debt. Today, XX/XX/XXXX, they've called again. I wouldn't verify any information, told them I was not liable to the original creditor or them, the case had been non-suited in court with a previous attorney and debt collection agency AND that the debt was in dispute and it was against the law to contact me while the dispute was open and they had NOT sent me any correspondence but have contacted me daily. They have not sent an accounting of the debt, ownership of the debt, or any information concerning the alleged debt. I want them to close the account and remove the collection on my credit file, stop harassing me, and stop the threat of legal action.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-04-29
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. (KY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX, has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-02
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)

All XXXX of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all XXXX of my credit reports because it is reporting inaccurate information and violating the FCRA. 
All XXXX Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. 
I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2019 i sold my home. My payments were being auto-deducted from my checking account with XXXX XXXX XXXX. Once the home was sold i called the XXXX customer service dept to stop my automatic payments, i was told not to worry about it that SunTrust Bank ( they held my mortgage ) would reject any future payments. In XX/XX/2019 i noticed that my monthly mortgage payment was still being made. I immediate called XXXX XXXX XXXX to get the payments stopped. After my conversation with the XXXX representative my payments were stopped. At this point i researched my payments and found out ( 7 ) payments had been made & only ( 5 ) have been credited back to my checking account. I then contacted Suntrust Mortgage ( what a nightmare they are ) After numersous, at least 4, calls to their customer service, i was told that they have returned all payments. I have repeatedly told them & emailed them proof from XXXX XXXX XXXX that they have only send back ( 5 ) not ( 7 ). They are blaming XXXX  & the 3rd party vender XXXX, and state they have sent them back, however, they can offer me no proof of this, despite the fact that if have sent them proof from XXXX XXXX, that only ( 5 ) have been sent back, i have sent Suntrust copies of statements that XXXX has provided me, yet they still say its not them, its XXXX, but they wont produce checks are online proof they have refunded them. At this point they still owe me {$2500.00}, and they wont pay me. I dont know what else to do? I hope you can help. Thank you
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I booked a flight with XXXX XXXXXXXX on XX/XX/22. On XX/XX/22 XXXX XXXXXXXX contacted me to say that the flight had been rescheduled and offered to allow me to change the flight date. I changed the flight date XX/XX/22 but was charged XXXX, against their stated policy. I contested the charge with Capital one. I received a letter saying it was denied. I called capital one and they emailed me a form to upload documents. On XX/XX/22 I sent them the email from XXXX XXXX stating I would not be charged on. The email said I " may '' use a chat feature to reschedule the flight. Capital one said the merchant denied the claim because when they said " may '' they thought " may '' meant " must ''. Believing that words matter, I had changed the flight via a different option. Capital One further stated that my claim could have been denied because I had not contacted the merchant, however, I had contacted the merchant and sat on hold for over XXXX minutes before giving up. Capital one said they mailed a letter asking for more information on XX/XX/XXXX, but it was never received by me. Capital one should have known that words matter and that " may '' means " may '' and they should have charged the amount back to XXXX XXXX and refunded the full amount. They did offer a credit of {$100.00} which is not sufficient.
Consumer complaint received 2023-04-04
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)

I wrote these companies and called several times. And they will not adhere to my request. Ive spent countless time and money requesting these companies to abide by the rules set out by the FRCA and all I keep getting is the run around. I take my credit seriously and these companies have been allowing inaccuracies on my credit report to ruin my reputation. They have failed to provide me with the information that theyre required to provide. It feels like Im am being deprived of my freedom. What theyre doing is illegal and I demand answers. I cant sleep at night until I know that every little piece of account and my personal information is correct. The credit bureaus must be held accountable.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MI)

This is our second complaint now against GM Financial. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for XXXX hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2021 and MXX/XX/2021 I made two XXXX transactions through my Bank of America app to pay for a vacation bill in XXXX XXXX XXXX XXXX. XX/XX/XXXX transaction was for {$660.00} and the XX/XX/XXXX transaction was for {$650.00}, so a total of {$1300.00} was transferred to pay for the vacation property. I booked with XXXX XXXX XXXX XXXX on XXXX and the property management reached out and insisted on being paid through XXXX. Upon arrival to XXXX XXXX on XX/XX/2021 the property management gave us an address completely different from what we originally booked. I explained to the management that we had no way of getting to that property there were no rental cars available that weekend and it was just way to far and very unprofessional of them to wait until the day we arrive to change locations. I asked for a refund and told them we would not be staying there. The management I spoke with gave me a different number to call and I received no answer, no call back, and I sent Bank of America text messages, and screen shots of the XXXX payments and explained to them that I was scammed into making these transfers for a property that doesnt exist. I filed a fraud claim with Bank of America on XX/XX/2021. On XX/XX/XXXX I received a letter from Bank of America saying that they were unable to approve my claim. I called and was told the account that the XXXX XXXX people had me send the money to had no available funds in it so they couldnt demand the money back and suggested I reach out to the company again but this company does not exist the website only has a XXXX phone number and hotels.com has taken them down off of their website.
Consumer complaint received 2018-04-03
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. (IL)

FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.