davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX
Consumer complaint received 2021-09-13
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. (IN)

XXXX XXXX is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (SC)

I discovered I was the victim of identity theft when I received a letter from American first finance company text, last month I called the company explained to them I never financed a purchased with them. They traced the purchase to Florida from one of their stores. I filed a police report with my local authorities, I also filed a report with the FTC. I was told they were noting the account as fraud. However, Today XX/XX/XXXX I received another letter as an attempted debit collection. The amount of the debt has increased. I called American First finance and told them again what was happening they put me on hold never returning to the telephone. I dont want this transferred to my credit.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MI)

This refers to my Synchrony Bank XXXX XXXX XXXX card beginning i XXXX. Account opened XXXX of 2018. XXXX credit line. Exceptional payment history. XXXX balance = just over 6 % of the line. Notified yestzerday, credit line now {$250.00}. Making tzhe raztio now 50 %. Severely hurting my credit score with no basis for this whatsoever.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AR)

This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I RECENTLY CONTACTED PORTFOLIO RECOVERY ASSOCIATES ALSO KNOWN AS XXXX XXXX. I ADVISED THEM THAT THE INFORMATION WAS INCORRECT AND OFFERED TO RESOLVE THE ACCOUNTS. THE INCORRECT INFORMATION CONTINUES TO SHOW ON MY CREDIT REPORT DAMAGING MY REPUTATION.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (IN)

I have a student loan through ACS, and 15 years after graduating - I owe MORE on my student loan than I borrowed. This is due to outrageous percentage rates that will keep me paying until I 'm in the grave. This is loan sharking and needs to be dealt with. I 'm not even treading water with them, I 'm drowning.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (FL)

Calvary Portfolio appeared on credit files. They were requested a validation through dispute with credit bureau due to never receiving any USPS mail communicationfrom them. They refused and failed to provide validation of all items of said debt. When they were contacted, they began by verifying who I was, social security number was given but when they asked for address, I requested they provide what address they had on file. The address they had on file for this specific debt was a very old address and would not have been provided to them by original creditor and they were told this. They were told that " if '' I owed this debt, that a Validation is requested. They would simply change a word or statement with credit bureau and made claims it was validated. Credit bureaus simply accepted their change thus continues to remain on each credit file.
Consumer complaint received 2016-08-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION (CA)

The debit collector has been calling at different hours of the day, at work, and calling my family members giving all my information out, and telling them i need a lawyer, they are making my family worried and it needs to stop! I do n't know how they got my family members numbers but it needs to stop!
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (NY)

I received a phone call at my mother 's home, on her answering machine. It was an automated call, looking for me, about collections. I have nothing in collections. A week later I got a letter in the mail demanding I pay {$52.00} to " Credit Protection Association L.P. '' because XXXX XXXX turned over a debt to them. I do n't owe XXXX XXXX anything and my name is NOT on the utility. This is a fraudulent attempt to collect money I do not owe.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (CA)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ;
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CT)

DISCOVER closed my account, personal credit card, after 10 years of use with no serious delinquency and no explanation ; I made payments on time except for a couple of times years ago.There was no suspicious activity or complaints from my end. 
They said they were going through a 'verification process ' and wanted all my personal banking info with statements for the last 3 months and tax info, mind you this is with me making all my payments ON TIME AND NOT ASKING FOR ANY KIND OF CREDIT INCREASE OR LOAN OR MORTGAGE. There was no suspicious activity or complaints from my end. I gave them my tax info and verification of bank with my home residence.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (UT)

As of XX/XX/2021 my father passed of XXXX XXXX while visiting XXXX. I am the executor for his annuity account and all of his financial affairs. I contacted Wells Fargo Bank on or about XX/XX/2021 to have the funds from his annuity account disbursed to his surviving children. I have filled out forms, faxed paperwork, met with personal bankers, etc. I was told that the funds would be disbursed to me by XX/XX/2021. After dozens of phone calls, multiple appointments Wells Fargo informed me that on XX/XX/2021 they had sent the paperwork to the liquidation department aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that the funds would be processed and disbursed with 10-15 days. This was the fourth or fifth time that Wells Fargo promised a disbursement to no avail. Within two weeks I followed up with Wells Fargo who said I was missing paperwork. I have scanned and sent them a report of death from a foreign country ( issued by the U.S. State Department ), paper from the court assigning me as executor, and a permanent visa. They are now asking for airline tickets, passport, an obituary, and a questionnaire that needs to be completed XXXX XXXX XXXX. They didnt send the questionnaire, they are unwilling to accept the documents that I have sent them multiple times and almost 120 days after beginning this process I have not yet received this disbursement for myself and my siblings. The documents that were sent to them both via fax and email- have been accepted by OPM ( Office of Personnel Management for federal employees ) the Social Security data system, the military system since my father was a veteran. They are still claiming these are not legal documents as well.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

Twice I have tried to dispute a recurring annual charge submitted by XXXX, an internet data backup service ( of no value to us, because we have adequate backup through XXXX ). I deny - and my wife denies - that we have entered into any agreement with the merchant company, which, my wife believes, got our credit card number when my wife briefly explored the backup service on a trial basis in XXXX or XXXX. We are both lawyers and understand that some companies try to get consumers to agree to paying recurring charges by giving their service away on a free trial basis that becomes a full subscription if not cancelled in writing. We are not among those consumers. 

We did not agree to pay XXXX recurring fees. Please examine the documentation that the merchant provided to evidence our agreement. Note that the box labelled " I agree to the terms of the terms of the XXXX service '' The box is not checked. 

That XXXX sent yearly emails can not serve as a substitute for our agreement, which was never given. This is particularly the case when XXXX  emails, like those of other merchants with whom we do not have a relationship, email us. The emails are automatically routed away from our attention. 

American Express has failed in its Reg Z duties to investigate my disputes ( twice ). Perhaps the best example of this failure is that last night I took over 30 minutes reviewing the attached merchant documentation and explaining to a customer service representative ( American Express would not allow me to continue my original dispute electronically ) the inquiry background and why this documentation did not evidence an agreement. Nevertheless, within hours, American Express had denied my second dispute with no explanation other than to provide the same documentation I had already discussed at length a few hours previously with the Amex CSR. 

I reserve all our rights.
Consumer complaint received 2024-02-22
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase will not permit me to obtain my monthly credit card statement. I am signed up for electronic delivery, and receive notices by e-mail telling me the statement are available. 

When I try to obtain my statements, the JP Morgan Chase website says " We don't recognize this device '' and then no further progress is available. 

The payments on the cards are now past the due date, and damaging my credit. 

I sent a letter to XXXX XXXX, the CEO asking for help. I receive a call from XXXX claiming to be in the CEOs office. When I call back XXXX ext. XXXX, no one answers the phone. I have left at least XXXX messages, but never get a call back. 

My accounts are still unavailable and the intentional damage by JP Morgan Chase continues. 

Where is the accountability?
Consumer complaint received 2020-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've had a mortgage with Bank of America on a secondary home in California since the original purchase of the home in XXXX. A couple of years later I established a line of credit on the same home with XXXX XXXX. Given today 's low rates, I decided to contact Bank of America for a refinance of the mortgage ( XX/XX/XXXX ). 

A few weeks into the process, I noticed that one of the conditions of the refinance was to pay off and close the XXXX XXXX line of credit. After noticing this, I raised a flag and clearly stated to Bank of America that I would like to pay off the XXXX XXXX HELOC but would like to maintain the account open as I use it frequently ( I emailed BofA on XX/XX/XXXX ). 

The BofA loan officer, stated that it was possible to keep the XXXX XXXX HELOC open, but that it would be better to close it, and once the refinance process was complete he would apply for a new HELOC at Bank of America. Since the rates were the same, the process would be smooth, and there were no fees of any kind, I accepted the suggestion. ( XX/XX/XXXX ) The closing for the refinance happened on Tuesday, XX/XX/XXXX. I immediately emailed the loan officer and informed him I would like to now proceed with the HELOC at Bank of America. I did not hear anything until XX/XX/XXXX. 

Once I finally received a response I was informed that I can no longer apply for a HELOC with Bank of America because of COVID-19. 

Because of the loan officer 's sales pitch, I agreed to close the XXXX XXXX HELOC and to consolidate everything with BofA. But now I don't have my original HELOC with XXXX XXXX and BofA is no longer willing to help me.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have notified Experian ( opened with Experian on XX/XX/XXXX and XX/XX/XXXX dispute date from Experian was received ) about 3 year+ XXXX XXXX XXXX Credit Card account that both XXXX and XXXX XXXX report as never late. How is it, that I file a report on XX/XX/XXXX and on XX/XX/XXXX that dispute is resolved? I am almost certain that Experian did not confirm with both XXXX XXXX and XXXX the details on this old credit card account. In XX/XX/XXXX I was hospitalized for XXXX XXXX and was not able to access accounts ( due to electronics limitations ) in hospital for more than 7 days. 

XXXX and XXXX XXXX explored my complaint about XXXX XXXX XXXX  and corrected my credit reports in their systems but not Experian. They need to all report the same via Fair Credit Reporting Act. I attempted to file another dispute to resolve this matter with Experian today ( XX/XX/XXXX ) but Experian system would not let me file it. I disputed this incorrect filling numerous times and Experian needs to pay fines under Fair Credit Reporting Act.
Consumer complaint received 2020-07-20
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. (MS)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX MS XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2018-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo allowed $ XXXX to be illegally transferred out of our Homeowners Association savings account in XX/XX/2018, by a hacker who stole our XXXX/XXXX identity. Wells refuses to put the funds back in our account even though it is FDIC insured, and the amount had to be reported since it was $ XXXX. They say they need a summons or legal document to pull the IP address of the computer that accessed and transferred the funds. So they want the Association to spend upwards of {$2000.00} to hire an attorney, open a court case and get a subpoena. And all because of their error. This is a small non-profit Homeowners Association. Jumping through all of their hoops would put us in further financial distress. Again, this was the banks error. Wells is being a bully and making us jump through hoops and incur additional expenses all because of their lack of due diligence.
Consumer complaint received 2021-07-15
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. (NJ)

Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.
Consumer complaint received 2017-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated (IN)

Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In   XXXX    , I was notified that I not only owed the amount previously due  ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (FL)

These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX
Consumer complaint received 2017-06-03
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: Experian Information Solutions Inc. (CA)

I am very tired of Experian defying the law and NOT sending documents when REQUESTED by a consumer. Experian is a terrible company and should not be allowed to get away with adding whatever they want to consumer 's credit files WITHOUT properly verifying the information. I have submitted a dispute and Experian simply refuses to DO THEIR JOBS! I asked for hardcopies of what information they received to verify information and instead they send me a letter stating they will not remove accurate information. Again they DID NOT SEND ME WHAT I REQUESTED AS A CONSUMER. THERE IS FEDERAL LAW THAT THEY MUST ABIDE BY AND THEY ARE NOT. These are the same people who lied about the scores they were providing consumers with so why should they continue to be trusted. Funny enough I contacted the SAME CREDITORS WHO EXPERIAN SUPPOSEDLY VERIFIED INFORMATION FROM AND THEY TOLD ME THEY DID NOT GET A REQUEST FROM EXPERIAN TO VERIFY THE INFORMATION I AM DISPUTING ON MY REPORT!
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Harley Davidson Financial Services Inc (MO)

They tell me XXXX is the only one I can speak with but she refused to accept my calls. Or return them. Customer service representatives are purposely putting me on hold never coming back to the line. They are attempting every effort they can to prevent me from resolving this matter.