davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to XXXX  that included the following accounts : XXXX/XXXX  XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by XXXX, XXXX  and Equifax. In violation of the Fair credit reporting Act. 

In addition, Equifax, XXXX and Equifax continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I contacted the company diversified consultants via certified mail requesting specific infomation and the company has failed to provide me with the information in my request. Instead the company sent me a letter acknowledging my request and then a copy of a billing statement form the company they are collecting the debt on behalf of. in my written request I asked diversified consultants to provide me with proof that the debt belongs to me ( ( XXXX XXXX ) My request was sent via certified mail. The response given by the company is not proof that this debt belongs me at all. In my request I also requested that they cease and desist all reporting and collection efforts on my credit report. As of today the company is still reporting negative/incorrect information on my credit report and has provided me with the information in requested in the certified letter I sent to them. In accordance with FCRA they must comply.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (GA)

On XX/XX/18 an alert appeared on my credit file with a collection in the amount of {$5000.00}. I immediately called Amsher as I didn't recognize the debt. I had not received any notice of a debt before it being submitted to the credit agencies. When I reached someone at the company, I was told that the debt was a business debt, and was transferred to their business department. I was told it was a debt from a company I worked for. I explained that the company debt was not my own, and was immediately transferred to a man who stated he was the CEO. 

I asked why I never received a letter about a debt, and how they determined that I was liable for the corporate account? He stated that they are not obligated to send letters nor verify who is responsible. I then asked for his mailing address so that I could send my request in writing. He goes on to say that I needed to " care about my money, I'm responsible, I needed to be quiet and let him speak '' and so on. He also stated that he wanted to make me an offer to settle the debt for approximately {$3000.00}, even though I told him the account did not belong to me, which the company was already well aware. 

Very upset, I kept insisting on his name and address for about 10 minutes. He then started to belittle me stating that " let me pull up XXXX and show you how easy it is to get our address ''. The inappropriate exchange was at least 15 minutes before he finally gave me the address so that I could submit my request for a debt letter and verification in writing. I then hung up. 

All of this because I never received a debt letter so that I could verify the debt and dispute as necessary. When I attempted to dispute with the credit bureaus, Amsher still refused to research the account, even though I submitted my final bill from XXXX showing that I didn't owe the debt. They also called other employees of the company stating that I owed this debt. This company is a scam who is only in the business to force anyone to pay a debt ( which they purchased ), even if not legally obligated to do so.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

I gave XXXX XXXX a notice of vacating the property on XXXX/XXXX/15 due to him creating and allowing a hostile environment where I was being discriminated against due to religion, gender and ethnicity. His tenant moved from their patios to the apartment entrance to harass my nephew and hung around in front of my door to intimidate me because they wanted me to move ; they were XXXX or XXXX men which scared me. I filed complaint with XXXX and he sent a bill for amounts not owed, He allowed his contractors to damage my chairs and never notified me of any repairs being done to the bldg. He put materials in front of my patio door causing me to fall XXXX and I have XXXX and health problems. When I moved in I had to clean the apartment due to roach mounds,, mold and mildew everywhere and coming through the paint. There were all sorts of insects like bedbugs, ants, roaches, spiders and bait coming inside the apt XXXX Workers with keys entered my apt while I was out and left clues to being there including leaving the door open. The contract said the notice had to be given 60 days before move out and on or before the XXXX of the month. I gave him the notice early so that he would be aware of the move and circumstance. He wanted me to give him the notice after 2 more weeks passed which I talked to him personally on the XXXX about this. So, he was given written notice and verbal notice of my move out. He charged me {$1000.00} for failure to give notice and cleaning expenses. I did what he asked, but he retaliated. I called the XXXX police about the incident and he said that he would do nothing without a restraining order, but he made sure he called the police on visitors that I had and you can check the record -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX GA XXXX. He would stand in front of my door every time he came into the complex which stressed me, because it was intimidating and said that he knows everything that was going on in the complex. His demeanor and actions reflected that he wanted me to move and the people in XXXX XXXX & XXXX made sure that I was n't welcome with their actions. I followed what he told me to do, but the fact that he owed me for the chairs means we break even.
Consumer complaint received 2022-03-29
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. (MS)

EXPERIAN has not properly responded to the Affidavit that was sent via certified mail. All violations that are listed within the affidavit are still present. My consumer rights are being violated everyday my file is inaccurate. Experian has failed to do their job which is defined by our governments FCRA.
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Check Recovery Bureau, Inc. (KS)

Continues to call even though Ive asked for proof of my debt which they keep telling me they will send but they do not. They even contacted my family and go as far as to ask them personal information about me. The calls are stressing me out and if I block it they call from a different number. Ive already tried to handle this but they will not send me anything in the mail to confirm they just want payment over the phone.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have already submitted a CFPB Complaint that was " closed. '' Please reference Complaint XXXX. In the " resolution '' Specialize Loan Servicing ( SLS ) acknowledged that they would reimburse me for the tax penalties I had to pay out of pocket ( even though they were responsible for paying my taxes that are escrowed ). Since that resolution, SLS has NOT reimbursed said penalties. Even after multiple follow up phone calls, I have not been reimbursed. This issue has now been on-going for 11 months and is completely unacceptable.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I went to deposit a check in to my bank account and it was placed on a 7-10 day hold. I went to speak with a bank representative who looked at me as if she didn't care to help me. Then proceeded to tell me that she wouldn't release my funds because she thinks it's fraud due to the fact that I don't keep a high account balance often, I feel that is discrimination towards customers. I felt that she didn't put her best efforts in to help verify the check was real because I was XXXX and felt I was committing some type of bank fraud.
Consumer complaint received 2018-09-28
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 (FL)

I paid my bill ON TIME, the bank charged a {$27.00} late fee in error. I contacted the bank in writing, ordered them to remove the late fee and never received a response. This ridiculous financial institution deliberately routes all customer issues to a " CALL US '' customer center, which is completely useless to me because I do not do telephone calls and since they do not answer mail in writing, a customer in reality has NO WAY of reaching the bank except via voice telephone. The bank also has NO electronic message system like all other financial institutions.
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC. (VA)

Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude. 
My loan payment is due on the XXXX of every month. I called and requested this way before hand.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX has recently authorized a credit pull without my approval and the negative mark is on my credit report. On XXXX XXXX, 2015 I asked a question and never received a response. Yet, before answering my question, pulled my credit. Please see information attached below.
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (SD)

On XX/XX/XXXX I discovered a withdrawal of about {$2900.00} from my checking account ending in XXXX labeled Miscellaneous Adjustment Debit - nothing - no indication how or why money had been withdrawn. I have been a customer of US Bank since XX/XX/XXXX and this has never happened before - ever. 

After many calls to US Bank I was referred to a number XXXX - after calling speaking with XXXX I was told their unit had offset funds from a reserve line account which was overdue and now paid and closed. 

The agent advised I had been called in XX/XX/XXXX and had not cooperated with that office. I have one line of credit on which I have a payment agreement with US Bank and on which I have been paying every month for several years. 

US Bank has provided no accounting ; no letter ; no detail and no prior notice. I do not know even whether this unit or office was US Bank or whether any withdrawal was authorized. This out of the blue event will cause me immediate serious problems with paying Medicare ; my mortgage and other serious bills. 

I am familiar with right of offset but US Bank or whoever this is has done nothing to explain why out of the blue this action would have been taken. NEVER has this ever occurred or been mentioned to me before. 

I feel as though someone has stolen money from me. US Bank conduct here is that no one is accountable for any attempt to explain or help. 

I was referred to page 33 of a 50-60 page agreement which I did not have ; follow up with local branch XXXX did not help - they advised they would look into this and gave me the customer agreement of some 50 pages. The representative said page 36 applied but I simply did see how or why - the language read with other language only made the situation more confusing. 

Please assist. I have hit a brick wall.
Consumer complaint received 2018-06-05
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 spent a lot of money, time and effort making copies of correct/incorrect billing statements from XXXXXXXX XXXX XXXX XXXXXXXX credit card. I showed and presented an argument that the statements were correct up to a certain month, then all of a sudden they stopped crediting money from my payments toward the balances on the special purchases I made, to them to whittle down the balances. XXXX pulled a bait and switch so they could charge me double interest on the purchases by not crediting payments made on time mind you, to the outstanding balances on record. They will do exactly the same thing with the remaining balances I have under that special agreement with them. They took all of the paperwork, threw it out and never acknowledged it by submitting a normal dispute to XXXX rather than forcing them to prove their reasoning as to why they say I didn't pay the amount off from XX/XX/2017 and threw the entire balance from that date on my statement claiming I owe it when I don't. My fear is they're going to do the same thing when the other 2 expire this year. Then I will have to sue XXXX. I want this matter resolved! The balance is incorrect and XXXX has failed at every turn to prove their case. In addition Experian failed to investigate the matter adequately when provided with a mountain of paperwork to prove the errors made by XXXX.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (OR)

I applied for a Barclay Business Aviator Credit card in XX/XX/XXXX. Over the course of a few weeks I was told more information was needed and was sent two conflicts letters on the same day asking for different types of information. I sent in information and called to confirm that it was received. I was told the card was approved, but then I was sent a letter of declination. I then called and they confirmed that it was an error by a representative and verbally approved again, and follows up with a letter and e-mail on XX/XX/XXXX. I was told I would get a card in 7-10 days. I  did not. 

On XX/XX/XXXX I called to complain that I did not receive a card, and see if another incompetent barlcaycard representative had made a mistake. I was told a new card was received on XX/XX/XXXX. I stated that I did not receive a card and explained that all my mail is scanned by USPS and no such envelope reached XXXX, OR. After about 9 telephone calls and numerous hangups and over 4 hours on the phone I still have not had the issue resolved. Every call I am told I need to speak to someone else, and put on hold. The representatives tell me conflicting information and keep making me run in circles without resolving the issue. 

I was told that my card was used for cash advances in Georgia, where I am not, and where I have never used a cash advance. I was also told that they could not help me because the phone number they have on file is different, and they could not check my original number in my application.
Consumer complaint received 2017-09-19
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: CITIBANK, N.A. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (AL)

Experian has incorrect personal information to my credit report. Someone much have a name similar to my name the name and DOB is incorrect please remove anything that is associated with that name and DOB XXXX XXXX/INCORRECT/DELETE XX/XX/XXXX INCORRECT/ DELETE
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns repeatedly called my cell phone number over a debt that should have been covered with insurance that I paid with them. They called my cell on a dialer without my permission and called me before XXXX all the time. They would call me over 10 times a day and agents would threaten legal action and curse at me. Please audit their accounts.
Consumer complaint received 2018-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Hello, My name is XXXX XXXX and I'm not sure if I am in the right category of complaint as there was no exact option. I have a major complaint against my Loan Servicer, LoanCare ( XXXX XXXX XXXX XXXX   XXXX specifically ). I've called them and emailed them over 8 times in the past 3 months to try and get my PMI removed as I have enough equity in the property and have passed the FHA length of stay guidelines to do so. All I need is an appraisal. This should be very easy! 

I've sent 3 emails via my online portal about removing PMI, each time I follow up within a week or two and they say they can't find anything after transferring me to 3 departments. Every call is at least 45 minutes in length. This should be a federal crime as I'm trying to get an appraisal to legally get my PMI removed and they don't have the infrastructure in place to support this and are essentially stealing my {$500.00} plus a month by not contacting me back. 

I am completely unsure of what to do next, please take action against this atrociously run company. 

Thank you.
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: Experian Information Solutions Inc. (FL)

I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2021-09-20
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. (PA)

XXXX has removed the inaccurate XXXX joint account from my husband 's file. Can you please do the same on my file please. 

Thank you!
Consumer complaint received 2019-03-08
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: Innovis (OH)

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NC)

I have two Certificates of Deposit dated XX/XX/XXXX totaling {$25000.00}. In XX/XX/XXXXI took them to Wells Fargo XXXX XXXX XXXX, XXXX NCXXXX to redeem them. I spoke to a customer service agent XXXX XXXX. He told me they couldn't redeem them as their records only go back seven years. I have paper records. Why can't they redeem them? I have the originals in my possession. On them it states : " Automatically renewable ''. Can you please help me get my money. I can send you copies of the CDs. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  NC XXXX  ( as shown on the CDs ).
Consumer complaint received 2019-03-06
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. (FL)

On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.