davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XX/XX/XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

A company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. 
It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?
Consumer complaint received 2015-09-11
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I SENT {$1000.00} TO XXXX THROUGH XXXX XXXX. THE RECEIVER NEVER RECEIVED THE MONEY AND XXXX XXXX REFUSES TO REFUND ME MY MONEY. THE TRACKING NUMBER IS XXXX. MY NAME IS XXXX XXXX PHONE NUMBER IS XXXX
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (OH)

I went to XXXX last winter for XXXX months. I Notified my Chase bank that I was going to be there. Unfortunately, Chase has to verify the computer I was using overseas By sending a Email to me. My XXXX email was blocked too for the same reason. Unfortuntely, I was late in making a payment on my Cards ( Freedom Card ) Untill I found some one with a smart phone to call the bank Branch in XXXX Ohio and Made the payment that way. In the mean time, I was charged a late fee of XXXX Dollars do to this Mess. I request that the fee be refunded to me and Give me an easy way to make payments from XXXX, when I go next winter
Consumer complaint received 2015-07-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (DE)

In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX
Consumer complaint received 2020-11-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I currently Have 6 accounts with fed loans in which they said I had late payments more than 120 days. This was caused by my email being hacked in which I only had emails sent to XXXX and that was during the data breach. i was late but would have paid as you can look at my history. We are trying to buy a home and have a very ill daughter and if these do not get removed off of my credit, we will not be able to move our family into a home. I have been more than fair paying off my debt even during these horrible times.
Consumer complaint received 2015-11-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MA)

I sent a friend {$100.00} via Western Union. On two occasions the recipient has attempted to pick up the money and on both occasions has been denied payment. I called Western Union customer service where I was told by the person I spoke to and then that person 's supervisor that Western Union has no control over it 's agents and whether or not they pay recipients. When I tried to cancel the transaction Western Union 's customer service refused without reason they simply said that they are not authorized to cancel a transaction which I do not believe. First their agents do n't have to pay funds contracted by Western Union to pay and then Western Union will do nothing to remedy the problem, and their agents rather than the intended recipient end up with the money? There has to be consumer fraud going on and being perpetrated by Western Union in my opinion.
Consumer complaint received 2020-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.
Consumer complaint received 2016-03-08
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My divorce ended XXXX XXXX, 2014. In the divorce decree stated that I am not reliable of the mortgage that only my ex husband is reliable of the house. USAA savings bank is the mortgage lender and they keep sending me letters of how the mortgage is in default but will not talk to me. My name is not on the mortgage note or the deed and they ended up putting it on my credit. I want the mortgage taken off my credit asap if possible. If I 'm not reliable of the mortgage it should not be on my credit. I have a divorce decree that I will be sending with this to show proof. I do n't live in the house and moved out when my divorce has first started.
Consumer complaint received 2015-09-05
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA Bank has very poor customer service and a serious lack of communication with their customers. 
I have been unemployed and unable to find a job for almost two years now and surviving on what little income I have, which I have told the bank many many times. They claim they will assist customers who are going through times of hardship, but they do not really care about their customers at all. I had a personal loan with them which they decided to close without even notifying me that I had past due payments. I understand that, and I am paying it so it will be done with, but lack of communication with customers is wrong, very wrong. 
Just when things were being straightened out with them, I received a letter from them stating that they had closed my credit card account, ( which is paid up to date ) because of the consumer loan that they never warned me about. 
Funny thing is I have been emailing with XXXX of the bank executives and he never once mentioned they were closing my credit card account. 
It is so wrong for a bank to treat long time customers, especially ones who have served their country by either being a XXXX for the XXXX. 
USAA Bank claims that they honor and appreciate those who have served their country but if you are going through financial hardship they refuse to do that and work with you, instead they treat you like dirt.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (UT)

This is Wells Fargo. On XX/XX/2017 their system called my cell phone and left a voice mail lasting 1 minute and 22 seconds without saying a word. I feel this should be considered a form of harassment.
Consumer complaint received 2016-12-07
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Mercedes Benz Financial Services (CA)

I was buying a car, and they ran my credit once, and I was unable to do it by myself. So then they tried with my aunt, and that did n't work, and then finally they ran it with my mother. However they ran my credit 3 different times causing me to go over the yearly " good '' inquiry allotment. They are Mercedes Ben done on XX/XX/2016 and 2 are MB Fin Svcs done on XX/XX/2016 and XX/XX/2016.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has stolen money from me for years, but now I have proof. 
I was sent {$200.00} and {$100.00} by way of their banking app and never received the money in my account. I have done this numerous times over the past year, and it has worked fine. But for some reason, now, the money is not coming into my account. I have already spent a few hours on the phone about this and they continue to tell me they do n't see anything. I have pictures from the individuals ' accounts who sent me the money confirming the money left their account into mine. I have given confirmation numbers for both transactions and the bank told me those are n't good for anything.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I writing with concern to amend and dispute information regarding complaint submitted case number XXXX Bank of America. This will be a new complaint. 
Bank of America stated in a letter I receive that they never received information from my Lawyer regarding a request for reaffirmation for my home loan. My lawyer have sent me documents request that was sent to Bank of America. That confirm that Bank of America receive the request for reaffirmation. On XX/XX/2016 letter explaining they never receive information for my Attorney also enclosed with the letter I receive document for Bank of America that shows incorrect address. Bank of America did n't not send document to my physical address XXXX, Texas. I will fax all documents.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

PER 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
they must give ME an opt out THEY NEVER DID XXXX XXXX XXXX XXXX Other XXXX XXXX Personal Loans {$3100.00} XXXX XXXX Other {$310.00} SELF XXXX XXXX / XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX Auto Loans {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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: Professional Recovery Consultants, Inc. (NC)

Medical bill sent to collections is error, without cause and should not have been reported for Collections. Have 2 medical insurance plans XXXX for XXXX and XXXX XXXX XXXX covered under parent plan. Costs should have been filed against both plans. Is apparent did not occur.
Consumer complaint received 2020-11-02
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.
Consumer complaint received 2023-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act everything has to be 100 % correct. 

XXXX XXXX XXXX The credit bureaus stated my account was properly investigated but the account type, the open date, credit limit, high credit, last reported, date last active, and the date of last payment are not accurate. This is ground for removal. 

They have also violated my rights under 15 U.S.C 1681 section 602A. It states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-22
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: SYNCHRONY FINANCIAL (TX)

I CHECKED MY CREIT REPORT AND I SEEN THAT I HAVE SOME INQUIRY ON MY CREDIT REPORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT WHERE THEY ARE SUPPOSE TO CALL TO MALE SURE THAT IT IS ME AND THEY DID NOT DO THAT AT ALL. Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit card and travel / entertainment companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-02-10
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. (GA)

Experian Information Solutions has willfully and illegally reinserted a deleted account from XXXX & XXXX onto my consumer report that doesn't even belong to me on XX/XX/2022. This is the THIRD time this derogatory account has been placed on my Experian consumer report. Experian is in violation of Fair Credit Reporting Act 611 5 ( B ) ( i ) which states the following : Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2016-10-05
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (CA)

I gave a NetSpend Debit XXXX card to my XXXX year old daughter as a gift. The amount I purchased was {$120.00} There was an additional fee of XXXX, so the total paid by me was {$120.00}. 

When my daughter called to activate the card the service representative requested her social security number and her drivers license number. She gave the service representative this information and only to be told that they could not verify her identity and the card could not be activated. 

Calls to NetSpend 's customer help line XXXX does not provide access to any customer service rep. The caller is cut off after a few minutes even after providing requested personal information. 

An email to NetSpends Customer service address has gone unanswered.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I received a letter in the mail from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX It alleges I had a debt in XXXX with LVNV Funding LLC in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. TWENTY TWO YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2020-11-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2020-11-02
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: American First Finance, Inc. (GA)

An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.
Consumer complaint received 2020-11-02
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: WELLS FARGO & COMPANY (MD)

There are unverified items listed below remain on my credit report in violation of Federal Law. Wells Fargo DLR SVC I ask the creditor to validate the debt and explained they are required under the FCRA to have a copy of the Original Account-Level Documentation means : a ) Any documentation that a Creditor, or that Creditors agent ( such as a servicer ) provide to a Consumer about a Debt ; or b ) A complete transactional history of a Debt created by a Creditor, or that Creditors agent ( such as a servicer ) ; or c ) A copy of a judgment, awarded to a Creditor The Credit Bureaus must ensure and validate that the Creditors documentation on file is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, by and through, the physical verification of the genuine original wet ink 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, in the form of a certified copy of my genuine original Consumer Contract with my Signature on same ( see Uniform Commercial Code 3-308. PROOF OF SIGNATURES ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, perhaps rising to misfeasance, which is defined in pertinent part as, The performance of a duty or act which one ought or has a right to do, but in a manner such as to infringe upon the rights of others, and/or malfeasance. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a certified, true, correct, complete and not meant to mislead copy of verifiable proof, you must remove the accounts listed below. 

Even though the law requires the credit reporting agencies to verify every account on consumer credit report before reporting on consumers credit file. In fact the lender never, ever, ever, sends the credit applications, signed contracts or any documents whatsoever before they report the items on consumer credit report to All credit bureaus. The CRA accept any and all credit items that a creditor sends to them electronically. They accept these credit items as true and correct and belonging to the consumer. The CRA simply place the information on consumer credit file with NO VERIFICATION. Provide proof of verification!! Please include the Original Account-level documentation.
Consumer complaint received 2017-03-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northstar Location Services, LLC (PA)

This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS number and left a message that my ex husband had given them my contact information. They left their name and acted like they were a long lost friend trying to get in touch. No mention that they were trying to collect a debt. There is no way he would have given them my contact information. They will not leave me alone and have called my parents and my new husband. The icing on the cake was calling my business.