davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AR)

XXXX has referred a bogus debt of XXXX to a third collection agency. This has a been the subject of a prior claim with you~and supposedly resolved, only to arise again. See claim #XXXX and #XXXX.Also XXXX and .....XXXX. The XX/XX/XXXX response indicates that the matter has been resolved. This third inquiry and demand for XXXX is harassment and is intentional on behalf of XXXX. Please stop this.
Consumer complaint received 2017-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under the new law effectively XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear on my credit file. The Credit Bureau has  not updated the information per the new law. I 've contracted XXXX, Transunion and XXXX on several occasions in reference to this matter and they have yet to remove the item. Each send me a response saying that they are still investigating the matter. I 've been disputing this error with all three Bureaus since XXXX 2017 and nothing has happen. True Bankruptcy listed does not include this information and should be deleted immediately from my credit report.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (IA)

Two  months ago I found out that there was a Wells Fargo credit card in my name with an approximately {$2000.00} balance. I contacted them. I was told a case would be put in place, no one ever responded. A month later I contacted them again. I was told that this was a card that was transferred to Wells Fargo from a company called XXXX XXXX XXXX. I explained that the balance on my XXXX XXXX XXXX  was approximately {$200.00}!!!! They told me I had no recourse. I complained. My case was transferred to the Executive Offices and given to a representative named XXXX XXXX at XXXX. I began to call XXXX XXXX every day for over 10 days, the last few days I called her a couple of times each day. She never called me. She sent me an email in a private message area of their bank and said that I did in fact owe this money along with all fees, interest and missed payments. If I HAD NO IDEA I had an account with this bank HOW CAN THEY CHARGE ME FEES @!!!! In that letter is sounds like she refuses to budge on her statements. At the same time, she did not address ANY of my issues at all and just said " this is your balance '' basically. Further, I have sent emails, contact us things and even chatted with people on XXXX XXXX. I have begged for a phone call back from someone. To date, no phone call from anyone. This is absolutely 100 % WRONG! And, not only did I beg her to help me by transferring this inaccurate balance into a GL account at the bank until they can figure it out. I also begged her to not charge me any more fees and that I am in the process of buying a house so negative anything on my credit report is a huge problem. She refused to address any of this! Just FYI, when I called the customer service folks, they confirmed for me that they have heard these horror stories from other XXXXXXXX XXXX customers. There was a lack of communication and many many problems. At this point in time, because of Wells complete and utter lack of concern for the customer, I will not be paying any of this card UNTIL they fix the balance back to what it was when it was at XXXX which was about {$200.00}. The card is in my married name, I was recently married. It is under the name XXXX XXXX. I have the correct address on this complaint now. For some reason, I created this user ID before I was married for some reason so it shows XXXX XXXX and would like this changed on your site, if possible. The card is in XXXX XXXX.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (CT)

signed up for a XXXX mastercard back in XXXX of XXXX. Since that time I have had nothing but issues with this company. This card is by comdata and apparently operated under fleetcor technologies. 

The invoices are unclear and set up in a manner that is hard to follow. Access to the payment site is difficult. They were constantly trying to sneak hidden unauthorized fees into the billing. This began in XXXX of XXXX with what they called a fleetdash  fee of XXXX and continued for three months until I caught it. This happened again in XXXX of XXXX. We were enrolled without consent in a service they called fraud protector in XXXX. In XXXX they began billing XXXX per month. This went on for 5 months until we caught it and asked that the fees be removed In XXXX the fees had been credited back with but there was yet another mystery charge. This time it was called a high risk transaction fee for the amount of XXXX dollars. I held back payment in XXXX due to this as well as other issues with service and was hit with interest fees as well as huge late fees. 

On a XXXX approximate balance they charged : XXXX in interest XXXX late fee XXXX high risk transaction fee This all compounded by the next statement and we were unable to access the online portal to view transactions or make a payment. When they unlocked the account finally I made payment for all charges and interest minus late fees. They continue to compound interest and late fees on the initial fees that were unduly charged. I have made numerous attempts to resolve and have been unable.
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. (IL)

Hello, I was looking at my credit report on XX/XX/XXXX there seems to be a few mistakes that were never corrected. Let me explain in detail I am being told I have 13 with XXXX  & that I have 8 inquiry 's with XXXX. This is 100 % inaccurate. I always pay my bills online and never signed any documents for any of these companies I list to run my credit report to anyone. I will show you the screen shots but I'll write here as well most of these are going to be from a car dealership that I never ever gave them authorization to run my credit score. this 100 % fraud and never authorized by me. The following items should be removed from my report from all credit agencies XXXX, XXXX, experian. XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX. Most of these companies i never even heard of I tried calling some of them and kept giving me run around. I never signed anything for any of those companies and I never applied online or gave anyone the right to speak on my behalf. This is 100 % fraud
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOLEDO FINANCE CORPORATION (TX)

I have a loan with Toledo Finance. My payment of {$140.00} is due on the XXXX of the month. I am currently 15 days past due. They called me at the following times. 

XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my references if I did not call her back. 
XX/XX/19 Someone called my husband asking for me to call them. 
XX/XX/19 XXXX XXXX XXXX left a voicemail reminding me of my promise to pay and telling me I will get a late charge if I did not pay today. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my husband because I did not pay on the XXXX as I said I would. 
XX/XX/19 XXXX XXXX XXXX left a voicemail saying she needed a returned call and she was calling my husband and I better call her back if I did not want her to call him. 
XX/XX/19 Someone called my dad asking for me to call them.
Consumer complaint received 2021-07-19
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. (IL)

The Bankruptcy court has sent me the attached affidavit swearing that they do NOT verify or validate any public records with TRANSUNION. Delete this unverified account immediately ( US BANKRUPTCY - XXXX ) The FCRA states that youre required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!
Consumer complaint received 2020-05-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company (OH)

American Mortgage provided mortgage loan for purchase of new house. They outsourced bridge and equity loans to XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation, all emails and text messages to show the incompetence and extremely poor service. They finally did reimburse for the added cost of extending interest rate. But I don't believe that is sufficient resolution to the issue. Filed complaint with XXXX  ( ID XXXX ) that was not resolved American Mortgage simply stated it was a complicated loan and out of their control.
Consumer complaint received 2017-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

i WAS TOLD BY CAPITOL ONE REP TO APPLY FOR THE VENTURE CARD I ASKED HER TWICE IF IT WAS A HARD PULL OR SOFT PULL SHE SOFT, WELL IT WAS NOT ... ... ..I WAS THIS REMOVED, FROM MY CREDIT REPORT ... ... ... ... ... ... THAT REALLY MAKES MY CREDIT SCORE SUFFER WRONG INFO GIVEN TO ME
Consumer complaint received 2023-01-30
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I initiated a funds transfer from my Chase checking account to my XXXX XXXX XXXX XXXX Checking account on XX/XX/2020 for the amount of {$2000.00}. It is XX/XX/2020 and it is still pending. I contacted the bank several times but they are denying to give me a reason as to why they are holding my funds and not initiating a transfer. This is my money and I find it unacceptable for them to hold my funds without any justifiable reasons. I called at least 9 times and I was either put on hold for an hour or more and calls were conveniently being dropped without any solution. I finally went in-person to the branch in XXXX, CA, but they were unable to give me a reason for the delay in transfer. Out of frustration i am filing this complaint. I need some answers as to why my funds are being held. Please help. Thank you. 

Transfer reference number is XXXX.
Consumer complaint received 2019-10-30
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. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (IL)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions XXXX accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX Collections Account # XXXX ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Academy Mortgage Corporation (DE)

I took over this loan last year from XXXX, they finally fixed the incorrect SSN in XXXX of this year, and now they are reporting a XXXX and 120 day late 's for XXXX and XXXX except due to some other issues with this loan it was in deferment status until the interest and other fees issues could be fixed. They did fix those in XXXX of XXXX. 
Now in XXXX all of a sudden I started seeing Property Preservation Fees on my statement. I sent them a request about it, and the email response was that it was due to a charge from the deferment process. They stated they would send me a breakdown of any charges, however it is now XX/XX/XXXX and I have never received it and it's not in the documents section of their portal. 
Now it's XXXX and today my statement came out and again I downloaded it from the portal and again I am being charged XXXX a week for a property preservation fee, and when I called customer service I was told they couldn't talk to me without an attorney. I questioned why and they told me I needed to be transferred to the loss mitigation department as if my account is in foreclosure or a negative status except my account is paid up until XXXX and XXXX 's payment went out already but hasn't been credited yet to the account. So I am paid a month ahead and yet, the customer service agent XXXX XXXX ID # XXXX asked me if I could afford my payments, and then was confused when he admitted the account was not only current has been current except for XXXX until XXXX when it was in Deferment due to the interest and fees charged prior which were being worked out. 
He couldn't get a supervisor apparently, and couldn't answer basic questions about the account even though that is his apparent job position. 
This is the first step, next I will again send certified mail about this issue and then I will be filing in court because this is an ongoing issue with Academy since I've had to deal with them. XXXX XXXX XXXX XXXX has no idea what XXXX ( XXXX ) is doing and vice versa, it's ridiculous. 
It should not take a supervisor to explain what a property preservation fee is and why it would show up on someones account when it's clearly paid ahead, also not be able to fix it immediately.
Consumer complaint received 2023-01-30
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

On XX/XX/2020, LexisNexis removed a chapter XXXX bankruptcy from my credit file. I have since then started to dispute this information with the credit bureaus since they verify this public record with LexisNexis. The credit bureaus are relaying to me that LexisNexis is still verifying this public record as accurate. I have several documents that LexisNexis has sent me to show that they removed the chapter XXXX bankruptcy along with my entire file from LexisNexis showing that the chapter XXXX bankruptcy does not exist.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

I have received notification from Credence Resource Management LLC that I have 2 outstanding balances from XXXX XXXX XXXX. The first account, according to XXXX XXXX XXXX is for services at my former address of XXXX XXXX XXXX in 2015. I was no longer at that location in 2015. The second account, was supposedly for " new '' XXXX service initiated by me transferring service after the expiration of my contact. I have contacted XXXX XXXX XXXX asking for wording/documentation that this information is provided by them to the customer. To date I have not been provided with that information.I wrote a letter the XXXX XXXX XXXX The Office of the President, received one call from ( XXXX XXXX XXXX XXXX XXXX, prompt 1, prompt 1 then ext XXXX ) asking that supporting data for both outstanding accounts be provided and have not heard from her since. I have left her voice messages but no response. 
I do not owe XXXX XXXX XXXX for account number XXXX XXXX service 2015. I am requesting proof that I was advised that " new '' contract begins automatically after the old one expires.