davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (MD)

I was trying to buy a house and I realized I have damage on my credit report According to the 15 USC 1681 law there should not be any damages on my report. Its a defamation to my character. Here are the inquiries on my Equifax credit report. 
XXXX Inquiry XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX, XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX- XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX Here are the inquiries on my XXXX  credit report . 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX Inquiry- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX
Consumer complaint received 2015-03-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Northeast Receivables Management, LLC (VA)

The employee or representative of the company called multiple times on XXXX XXXX 2015 accusing me of check fraud and theft and to file in courts of law where I live for said charges while trying to collect on a payday loan I have no knowledge about and for which they were asked to validate as of XXXX XXXX 2015. A XXXX XXXX called, was very rude and abusive in his approach, kept talking over me when trying to ask questions and respond to his, and threatened me with being taken to court for check fraud and theft both of which are criminal offenses and are not applicable in the civil case of a collection action. XXXX XXXX repeatedly called me after we spoke and I asked for validation of the debt, left messages on my phone that I needed to take care of it immediately, and called who he thought was my father on the morning of XXXX XXXX stating that I was in trouble for theft and check fraud and that I needed to take care of it immediately thereby defaming my character with his continued malicious and illegal collection practices. A letter was emailed to an email address as a reply from one sent to me, and a certified letter was mailed to the address of record on XXXX XXXX 2015 asking for validation of the debt and informing of their violations of law and improper tactics and practices. These practices are illegal, abusive, harassing, and unnecessary even of someone who does owe a debt in collection. They sent me an email claiming the letter attached to be a validation of the debt, which it was just a debt collection letter they should have sent in the first place and NOT a validation of the debt. They are in violation of FDCPA sections 806, 807, and 812 if not more.
Consumer complaint received 2017-02-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

This debt per my insurance company was not submitted. I have asked the doctors office multiple times to submit it to the correct insurance company for payment. They refuse to work with me. They refused to allow me to text them a copy of the insurance card. They do not have secured email to send the insurance card to. XXXX XXXX is the contact at XXXX XXXX XXXX and has refused to handle this situation in a professional manner. 

She has threaten to turn me to collections knowing very well that I have XXXX XXXX XXXX that will pay this in full and I would only owe a {$25.00} co-pay and yet she refuses to allow for a secure way for me to provide the information to her to resolve it. 

I work onsite with clients in various time zones and ca n't do " old school phone calls '' - they wo n't provide a portal and/or a texting ability to ensure I can securely send the information at a time outside of my normal working hours. 

They are on the verge of fraud for turning this to collections without processing to the insurance company that I have requested. My husband had me on his policy until end of XXXX 2016 and my insurance started on XXXX XXXX, 2016 so they were to either claim to his first mine secondary and/or determine what was going to pay out the best - mine policy was better and would only be a {$25.00} copay. 

My feeling is that they are having to write off more with my insurance policy thus trying to use only my husbands policy so they can ask for more out of pocket from me - this is on the verge of fraud and not in the best interest of the customer.
Consumer complaint received 2017-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NC)

I am currently in the process of refinancing my home. To improve my credit score, I paid off a number of outstanding credit card balances including one for American Express. When my mortgagor requested for me to obtain a XXXX balance letter from AMEX, I thought this would be easy to resolve. I contacted AMEX on XXXX/XXXX/2016, made my request and they stated it would be faxed in 48-72 hours. No problem. By Monday, XXXX/XXXX/2016 at XXXX, the letter had not been received. I called back and made the request again. I spoke with XXXX in the XXXX balance area. She and her supervisor prioritized my request ( I thought ) and she stated the letter would be faxed within the hour. 
As of XXXX on XXXX/XXXX/2016, the letter had still not been received. I called back ... again ... this time I am informed that my account has a bal- ance of {$11.00}. I resolve this balance and am then told I have to wait another 24-48 hrs!!!!! Explain to me why I have to continue to wait when my requests could have been and should have been honored anytime between XX/XX/XXXX to XX/XX/XXXX?? Especially since I had closed my account as well ... it 's not like I could make any additional purchases!!!! 
This was poor client service ... and I work in client service. I was very disappointed that AMEX could not have reached out to me if they could not honor the request after they had guaranteed it. As a person that works in customer service, I am not impressed by AMEX ' customer service. I am thankful for the fact that I did close this account and do not have to deal with their lack of service further. Now let 's see how long it actually takes to obtain the zero balance letter.
Consumer complaint received 2016-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

On XXXX XXXX, 2016 my request for loan forbearance from XXXX had been approved. I received an email stating that. Since that time I have still been getting charged months with interest and late fees. Navient is completely unwilling to cooperate. " Too bad '' was what I was told when I called. How unprofessional. I 've been bamboozled by a company I did not choose to do business with. They need to be shut down.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MO)

I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (SC)

I applied the XXXX platinum charge card which offered me XXXX Membership rewards points as the sign-up bonus. It required me finish XXXX dollars purchase within the first three months. However, the system gave me the sign-up bonus on XXXX XXXX and removed them on XXXX XXXX! That made me confused because I knew that I did not fulfill the spending requirement yet. I thought there must be something wrong with the system, so I did not pay attention to it and continued to purchase by using this card in order to satisfy the XXXX dollars spending requirement. However, even after I spent more than {$3000.00} dollars and waited several months, my account was not credited with the XXXX Membership rewards points. I contacted with XXXX via online chat which said I should make a phone call to XXXX. When I called the XXXX representative, she said I can not get the sign-up bonus because of some cancelled charges. That made me so shocked because I believe I did not cancel any transaction. Moreover, when I asked her to provide me the details which transaction I cancelled, she just told me she did not know and repeat over and over again their so-called " policy '' -once the sign-up bonus released and would not give back after removing. However, a friend of mine actually also confronted the same situation but got the sign-up bonus back after contacting XXXX! Their explanation is unacceptable because the fault is not made by me but XXXX system. I conservatively value XXXX Membership reward points equal to XXXX cents, so XXXX Membership rewards points are equal to {$2000.00} dollars. Therefore, I have to suspect that XXXX intentionally gave me and took back the XXXX, XXXX Membership rewards points sign-up bonus within 2 days in order to deprive my rights to acquire them.
Consumer complaint received 2022-08-09
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. (CA)

I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (NC)

I had XXXX American Express XXXX XXXX cards - XXXX for myself ( XXXX XXXX ), XXXX for my husband ( XXXX XXXX ) and XXXX for my son ( XXXX XXXX ). My husband 's card was the primary card. My son 's card was compromised, had fraudulent charges put on it, and the card was cancelled in XXXX of 2015. American Express continued to accept fraudulent charges on the card after the card was cancelled, and rolled them over to the primary card. We closed the whole account ( all the cards ) in XXXX of 2015. To this day American Express is still accepting fraudulent charges on the original compromised card and sending us bills. We have to call each time and report the fraudulent charges and go through long telephone calls with American Express. They have not ever been helpful about fixing this problem to stop accepting charges on the account that as been closed for well over a year. This is wasting a lot of time and energy on my part and is very frustrating. I have attached copies of the two latest statements which show the fraudulent charges processed on a closed account.
Consumer complaint received 2015-03-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BCA Financial Services, Inc. (NJ)

On XXXX XXXX, 2015, I received a collection letter from BCA Financial Services , Inc., XXXX, XXXX, demanding payment for a debt for their client, XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately responded to this collection agency in written form telling them that I have been disputing this matter with their client for almost a year, with valid medical reasons for said dispute, as well as instructing them to cease all further contact with me. On XXXX XXXX, I received a second letter from them again demanding payment for the same client. I have, for the second time, sent them a letter informing them that I will now report their agency to your agency and both state attorney generals ' offices in XXXX and XXXX. In this second letter I reminded them that they were previously instructed to cease any further communication, yet they chose to ignore my request. This is why I am filing this complaint against BCA Financial Services , Inc..
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-09
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. (NJ)

I demand to have these accounts deleted from my credit report as it is reporting misinformation and has invaded my privacy as a consumer as I NEVER gave my consent. You did not fulfill your grave responsibility. You were unfair, partial, and you did not respect my right to privacy. 


EQIFAX XXXX XXXX XXXX XXXX # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016 XXXX XXXX Acct # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

On XX/XX/18 I received a noticed from XXXX XXXX, XXXX Trust informing me of a change to my XXXX XXXX cash management sweep vehicle with no date for the stated change of cash vehicle, nor any disclosures. 

I wrote a demand letter XX/XX/18 requesting all disclosures for the use of cash sweeps in the Trust accounts. 

Additionally, XXXX XXXX, XXXX Trustees have an accounting petition pending before the Surrogate Court of the State of New York, the County of XXXX, which has been contested and for which Discovery requests for production have been sent by myself to the fiduciary and attorney, XXXX XXXX, XXXX XXXX. of XXXX, XXXX XXXX XXXX XXXX. Disputed in the accounting is the use of various cash sweep vehicles for which the fiduciary failed to provide disclosures. 

The banking system of Community Bank System , Inc, XXXX XXXX  XXXX XXXX , XXXX and XXXX XXXX, XXXX XXXX XXXX has failed to provide disclosures for the compensation / commission arrangements between it's subsidiaries for the use of the XXXX cash sweep vehicle.
Consumer complaint received 2017-05-24
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. (MO)

I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.
Consumer complaint received 2017-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (DE)

TRS sent us a letter stating we needed to pay a XXXX fee for a check that was not honored at XXXX. We had plenty of money in our account. Apparently the FTC already fined them XXXX XXXX for ripping off people with this scam. Our bank never received a check from them. They never presented the ck for payment. I pray they do not damage our credit. This has got to stop.
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

they said they would give you a loan modification I 'm making the payments already loan modification but I have no signed contract I do not get monthly statements they tried to raise my mortgage rate by XXXX a month they have committed many many infractions according to the law I have read the law it is not hard to find numerous infractions no monthly statement trying to foreclose on my house this is all illegal
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (FL)

Repeated phone calls to me from American Express and I'm not the account holder. 

Two phone calls so far today ( XX/XX/XXXX ). Five phone calls yesterday ( XX/XX/XXXX ). Three Phone calls on XX/XX/XXXX.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I do not owe XXXX XXXX {$500.00}. I would like to dispute this charge. I am wiling to settle the debt for less than that amount. I would settle for {$200.00} and a payment plan. Please let me know if you can help with this, thank you.