davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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. (TX)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. I have a police contact and report done, I also have contacted with FTC. These aee the items : XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX. lnquiries : 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 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CCF Intermediate Holdings LLC (OH)

I have been Discriminated against and treated in an Unequal and Unfair manner by Community Choice/ ChecksMart by being charged to get copies of my account balance. XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX admitted that he charges No other customers for the Exact Same Service. I have attached Evidence of this Illegal charge by XXXX in this complaint. XXXX had charged me other times as well but I have misplaced the receipts. I request a Refund. XXXX ) Evidence on XXXX XXXX  can show that the listed XXXX XXXX OH XXXX store is the Closest to my home. 99 % of the time this store will be the Closest location for me to go to. However ... XXXX Refuses to give me the days and hours that he works which were requested by Me and his Corporate office, so I usually have to drive A Long Distance to the XXXX  XXXX OH location or the XXXX XXXX OH location. These 2 office locations has been professional so far by the supervisors when I ask, letting me know the days and hours that they work. I have a Special Account that requires a supervisor to handle. I also request a Credit/ Refund for the 99 % of the times that I, Not ... by choice have had to drive to the Farthest locations in order to conduct business as a Direct Result of XXXX  Not letting me know the hours and days that he will be working that week. 1 % of the times I may choose to use the other XXXX locations. XXXX is also Ignoring the Corporate office who has reached out to XXXX letting XXXX know that he should be letting me know this information of his days worked and work hours. I want to keep the Special Account as I have Business Matters tied to this account And... I like the Perks ... that I am suppose to be getting with this account. Please advise. Sincerely and Seriously, XXXX.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi my name is XXXX XXXX XXXX. I live at address XXXX XXXX XXXX XXXX California XXXX. My date of birth is XX/XX/XXXX. the answer to my secret question is " what is your pet 's name? '' The answer is " XXXX ''. My debit card number is for XXXX. Expires on XX/XX/XXXX security code XXXX. My social security number is XXXX. 

I'm writing to you today to express concerns about possible corruption and inside jobs within your bank. My account was frozen for no apparent reason and once I got it confirm to be valid and not fraudulent by the EDD state they proceeded to activate my bank account again you got to learn that as of XX/XX/XXXX I was negative {$2600.00}. According to them I was negative because my temporary credit applied for my two disputes have been reversed automatically they said after my account has been frozen. I called more than a week ago to escalate a claim and I called back this Monday to find out that the only escalated one claim the supervisor claims that I would get my money in 3 days so far it's been a struggle to get ahold of anybody to check the status of my claim I was hung up on this morning rudely by a claims department representative. All I'm asking for is there a adjustment my disputes that haven't yet been investigated and also access to my funds that I've received from EDD I also asked do you look into the matters of your employees that haven't been helping people the proper way it's been noted on XXXX and other online forms about similar cases receiving no help whatsoever I need access to my funds as soon as possible feel free to call me at XXXX. I've been waiting about 10 for my negative account balance that shouldn't have happened to be reversed. If my account doesn't get reverse I won't be certifying any new benefits and I will be reporting this to the XXXX XXXX XXXX and the federal government to investigate fraud among the representatives of the bank.
Consumer complaint received 2022-11-18
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. (MN)

I have been waiting for Transunion to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information below 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 2020-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

Target is refusing to comply with removing and deleting my derogatory report after paying them in full. I had this issue with two other companies XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX, I paid everything in full and they told me the same thing refusing to delete when I submitted a complaint they both removed it so target is the only one that is not wanting to cooperate. I paid with the intention of having everything removed and they are really affecting my credit score, and I dont think this is fair because I paid them all in full everything I owe them including interest charges, penalty fees etc. And I am not going to stop submitting this over and over again until somebody hears me out because this is not right. Hopefully whoever reads this message is able to assist me. 

Thank you very much
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

* Equifax was unable to provide my free credit report and was not able to explain why. They required me to submit a dispute and proof of identity, which I did * Dispute results showed : " The worker ID number is issued by SSA for work purposes only. This number is not issued by the SSA as a SSN. The worker ID number is not issued by the SSA as a SSN and can not be added to your Equifax credit file. '' * Called SSA and was informed that this distinction does not exist - that even if the number is issued for work purposes ( on H1B visa ), it should be valid for credit purposes * SSA advised me to contact federal trade commission ( FTC ) to resolve * Desired outcome : Would like ( 1 ) Record to be amended such that Equifax has access to my SSN ( 2 ) Credit history to reflect the past ~8 months I have lived and worked legally in the US - i.e. I should have a credit history and not be starting from scratch
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I moved to the USA in XX/XX/XXXX, and subsequently opened a Bank of America credit card account in XX/XX/XXXX in order to start building credit in the USA. In XX/XX/XXXXI made my last use of the credit account but decided to keep it open to help build up my credit. Since XX/XX/XXXX I have not used this line of credit. As I was no longer using this, it took me some time to see that an annual account fee had been applied to my account XX/XX/XXXX. I first noticed it in XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) and immediately paid it off. This fee was n't clearly communicated to me at the time of sign up and so this came as a surprise. I was never alerted that there were any late fees. I have attempted to talk with representatives from Bank of America saying that the several {$1.00} fees are misleadingly showing I was delinquent on my credit card. They acknowledge that the annual fee may not have been clearly communicated to me but are being completely unreasonable in removing them due to their miscommunication. These {$1.00} fees are extremely negative on my credit report and are indicative of their poor process rather than my ability to make good on credit. I have zero late payments on any of my credit lines and always pay down my balance in full. I would like these to be removed from my credit history as it is misleading to future creditors.
Consumer complaint received 2020-10-22
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2019-10-31
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX XXXX   XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (IL)

XXXX XXXX, I payed a bill by check to XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was altered to {$1000.00} and cashed. The check was quite visibly altered and nevertheless cashed in XXXX XXXX, CA. In a XXXX XXXX Bank, XXXX XXXX XXXX on XX/XX/XXXX at noon And deposited into the account. Of XXXX XXXX, reference payroll. Since XX/XX/XXXX I am dealing with this fraud through my bank, BMOHarris ( XXXX XXXX ) XXXX XXXX, XXXX, Illinois. The bank finished the required inquiry and submitted it to XXXX XXXX XXXX on XX/XX/XXXX. Since then I was told by the XXXX. Of the BMOHarris bank, that it is no longer their problem. That I need to deal with XXXX XXXX where the check was deposited. After trying my hardest to to connect with XXXX XXXX XXXX XXXX. I was told by XXXX XXXX XXXX XXXX : 1 ) they will give no information since I do not have an account with them, 2 ) they do not talk to third parties, 4 ) for fraud cases it is only bank to bank.

I found out through a complaint to the XXXX that the bank that represents me should be the bank in which I have an account, BMOHarris Bank. when I go to the BMOHarris bank, the XXXX XXXX XXXX tells me XXXX ) we will not pay you, XXXX ) Deal with XXXX XXXX, they have the money, XXXX ) It is not our fault, you signed the check. I need help since it will soon be a year And I have no solution to the problem and this has caused me financial difficulties
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one credit card company put me into a program that I was told would freeze the interest while I pay off the card. At no time during the phone call or acceptance into this program was I ever told that things would be Taken from me for signing up for this program. I finally got the entire {$9000.00} paid off and then they turn the XXXX around and send me another bill for interest. XXXX is going on here? If I am forced to acquire a lawyer I will refuse all settlements and take it to the jury for a decision in a speedy trial. I am tired of companies taking, taking taking, Dam it. This is wrong and needs to stop now.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

The following inquiries are on my Experian Credit Report without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Pacific Retrieval LLC (CA)

I received a letter on XX/XX/XXXX from Pacific Retrieval LLC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, California, XXXX a collection agency regarding an alleged account # XXXX, Claim # XXXX with a towing company, XXXX XXXX XXXX out of XXXX California who towed a XXXX XXXX XXXX VIN XXXX ( no license plate # provided ) and is alleging I, XXXX XXXX owe {$2600.00} for a tow and storage for a truck I have never owned in my life, the XXXX  XXXX XXXX   and Consumer reports has had 13 complaints about identical fraudulent assertions and threatening, rude behaviors attempting to extort thousands of dollars out of elderly? or vulnerable who are more likely to succumb to threats and found language, being called a liar and a thief, they know they are abusing people for cars we never owned in our life, they settle the cases with the XXXX  however they continue to use the illegal abusive threatening fraudulent and slandering tactics. Clearly they are making money by breaking the law and defrauding vulnerable persons by their extreme ly abusive language and accusations of criminality for refusing to pay for a vehicle we never saw before, this is a huge ongoing scam, search and see on the XXXX  website or Consuner affairs and the Federal Trade Commission.
Consumer complaint received 2021-01-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (SC)

I am writing to dispute the following information in my file : <Item 1 : FEDLOAN, Federal college loan opened XX/XX/XXXX <Item 2 : US department of Education , College loan opened on XX/XX/XXXX. 

The items I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that these items be <deleted / adjusted/removed from my credit history> in order adequately reflect my true credit history on the attached report. 
I am asking you to reexamine these items and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I logged into my credit card app in XXXX, and it showed that my statement was XXXX so I did not make a payment. I was charged {$120.00} is interest in XX/XX/2023. I have always paid my statement balance to avoid interest when using my chase sapphire reserve credit card
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Midwest Recovery Systems (FL)

This is the second time I have written about the mistreatment of two companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they generated me a bill during a medical consultation a year ago and the bill was sent to Midwest Debt Collection. without ever being sent to my insurance or to my address to be able to pay that debt, my credit was severely damaged. Then Midwest Recovery Systems, knowing of the rush to repair my credit score, used the tactic that if I paid it out of my pocket, they would repair my credit faster to buy the house, then paid, that was a serious mistake I made, because my credit wasn't repaired faster and I have to pay much more for the mortgage of my house for eleven long years since I had to qualify for an HFA loan due to bad credit score even though I gave more than twenty percent of the mortgage because.

Now trying that the bill that was generated a year ago be sent to my insurance to recover some of the money, I have been mistreated by both company, XXXX XXXX XXXX XXXX says that that is not their problem, that it is a frequent mistake and that they do not have the fault of what happened and that they sent the debt to Midwest Recovery Systems and Midwest Recovery Systems says that that account is closed and that they no longer have anything to do with it. 
then I wonder Who can defend us from these abusive practices used by this company against citizens? 
What should I do to claim my rights?
Consumer complaint received 2019-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

About 5 months ago I did a refinance with a mortgage company over the phone ... That process was fine. But they transferred my mortgage to an unknown company to me called PHH Mortgage address : 1 XXXX XXXX, XXXX XXXX, New Jersey ph : XXXX ( XXXX ) XXXX. 
This is when all the problems started. 

My main concern right now is that the way they process payments. I made a phone payment with a rep named XXXX he said they he used my existing card info to make a payment, I got a confirmation number. He said that the funds would be taking out in about 24 hours ... that time has passed and the funds are still in the account. 

I called my bank XXXX and they confirmed that there is no activity for withdraw I have been trying to call PHH to see  what's going on and can not get anybody on the phone and place on hold for 15mins on average. Now this has spilled into my work and I can not stay on hold with them for this amount of time. So now I have to see why the payment did not go through ... and also make sure that they don't make ANOTHER transaction and double charge my account. 

- Web site is very poorly designed, very hard to navigate, they use their own banking jargon that is foreign to me -Payments are not successful, the way the process payments is poor. For example, they have double charged me previously -Very, very difficult to contact during regular business hours you can be on hold for up to 15mins or more, calls drop ... no call backs and they do not keep their word when they said they WILL send documents. I am waiting on a statement to be e-mail that I asked for days ago and still have not got the e-mail. 
-Main problems are : The web-site ( online payments ) Communications - Very difficult to get a rep online I am battling a XXXX XXXX illness and this is giving me great XXXX  because I have to stay on them because there is no protection for the homeowner and they can add charges ... claim that they didn't get my payment. I am not in default with them but I can see it going downhill because of their processes and miscommunications. When I was with XXXX XXXX I never had this problem, took about 2 clicks to make a payment and done! I made this payment on XXXX XXXX ( online ) and still dealing with it. I just want it to be over with, my XXXX payment is coming up and I am getting the same anxiety ... I can not deal with this every month. I am trying to get a larger company like XXXX or XXXX XXXX to buy back my loan. I have been getting up extra early to contact my bank and mortgage company back and forth, missing out on large parts of my day, and XXXX XXXX by the end of it ... But I can not get tired or slip, because things can get out of control. 


Next goals : see the funds transferred get a new mortgage company ASAP!!