davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc. (MI)

This company has given many run arounds and puts the blame on me when they have broke the law by double reporting and even gave the debt to another company. They no longer own and have claimed that they still do so. They are extremely unprofessional, never responded to the debt validation letter that was sent to them and overall a shady " company. '' I sent the letter back on XX/XX/22 and heard nothing back, I then got a different letter from another company. I am beyond frustrated and annoyed they that keep claiming to own something that is no longer theirs.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PLS GROUP, INC (TX)

I was in XXXX  when someone gained access to my account. I am a XXXX XXXX veteran XXXX and my direct deposit was going to PLS checking cashing via xpectations card. I was in XXXX  for 8 months and each month my money was withdrew. When i got out and discovered this i complained and made a dispute. Xpectations dispute team said the see no error.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report in XXXX 2017 & noticed " XXXX '' unauthorized inquiries reporting to my TransUnion credit report : ( XXXX ) XXXX/XXXX dated XX/XX/17 & ( XXXX ) XXXX/XXXX dated XX/XX/17. I have written TransUnion several times ( certified mail ) notifying them that the inquiries were not mine, are unauthorized, and were not solicited by myself ( verbally or electronically ) on multiple occasions. I do not have " any '' accounts with these companies, have no interest in their services, and have not requested their services. To no avail, TransUnion has " responded '' every single time with an " explanation '' of what an inquiry is. I have also, previously requested that they " stop '' responding with a letter of " explanation '' as to what an inquiry is - and to remove the inquiries immediately. My credit score with TransUnion is in the mid XXXX XXXX consistently - as I am a homeowner & business owner, and I am very responsible with my credit. Due to these " XXXX '' credit inquiries & TransUnion completely ignoring my admission that the inquiries are innaccurate & unauthorized by myself : TransUnion Credit Reporting Agency has directly resulted in my being denied " credit '' as a direct cause of these unauthorized inquires. Due to me requesting the deletion of these " XXXX '' inquiries and requesting correct, accurate, reporting within my personal consumer credit file to TransUnion for " months '', TransUnion has caused me great stress by damaging my credibility with potential lenders, and has been a direct result of great emotional, mental, and physical stress by lowering my credit score. This is very scary and I have since proactively obtained several credit monitoring services, and of course, these services are being provided to me for a monetary fee. This has been a nightmare! Before these inquiries " appeared '', I was in the " upper '' XXXX XXXX as I am with the other credit reporting agencies. Please help & get this consistent problem of inaccuracy resolved.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am XXXX and I am tax exempt from paying taxes on my home through a tax relief program in the county I reside in ; XXXX XXXX, Va. 
I sent the letter from XXXX XXXX to BOA I am not sure what happened, but somehow it was NOT put into their system correctly. I went to BOA on XXXX XXXX XXXX XXXX, va XXXX in XX/XX/XXXX, I met with XXXX XXXX at BOA customer service dept and explained what happened, and she faxed the letter with a short note. Still nothing. I am still showing late and getting late notices in the mail. I tried to call on numerous occasions, but never got through to anyone but the collection department. I went back to BOA on XXXX XXXX On XX/XX/XXXX, and XXXX XXXX helped me once again. Apparently the entire situation was fixed. It was not. I went back to the bank again in XX/XX/XXXX and the manager XXXX XXXX told me they could not help me with my mortgage problem anymore. I need to get on the phone and the escrow Dept will help me. I called escrow Dept on many of occasions and it keeps rolling my call to the collecti9ns Dept. 
They have been saying my mortgage is late and have been reporting it late for almost 1 year now. I have recorded the last 2 conversations with the collections escrow Dept. I HAVE NEVER BEEN LATE WITH MY MORTGAGE! I am so frustrated with this if you dont help me Im gon na have to drive to headquarters in NC. 
THANK YOU for your assistance in this matter. 
I have all of the late notices and have recordings, and always being promised I would get a call back and they will escalate this. 
XXXX XXXX
Consumer complaint received 2021-07-14
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-01-31
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

Someone fraudulently opened a XXXX account in my name. 

I contact XXXX on XXXX and again on XX/XX/XXXX. The amount t of the fraudulent charges is {$1200.00}.
Consumer complaint received 2018-06-20
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. (GA)

I checked all three of my credit reports and noticed I have a large amount of debts from XXXX XXXX. I immediately disputed the accounts on all three credit reports, They we're removed from XXXX and XXXX  all the accounts. Experian, some of the accounts we're removed but not all, according to Experian the accounts are accurate. How? Nothing was sent, no evidence or anything so how was the accounts investigated or proved to be mines. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( reporting twice ) XXXX  XXXX XXXX XX/XX/XXXX These are the accounts that are listed and needs to be removed from my credit report.
Consumer complaint received 2020-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (TX)

I reported the business to the XXXX  about 3 weeks ago because of collection calls I was receiving. Told two representatives that I have not worked due to COVID19 and I told them I would pay the loan as soon as I resume getting a check. They went on to ask if I was getting an unemployment check, I explained to them that I dont know when Ill resume work because Im not eligible for unemployment. I told them soon as I get paid Ill resume payments with them. Theyve continued to debit my checking account resulting in it being $ XXXX, if I told them I have no money then that means they shouldnt try to pull money out thats not there. This is a violation of my rights and I got the XXXX  involved and Check N Go tried to refer me to their online customer service instead of an actual representative of the company
Consumer complaint received 2020-04-30
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. (MN)

On XX/XX/2020 - Equifax reported false information to my creditor causing the creditor to close my account - this information was not according with truth or fact, was incorrect. Equifax stated in a written report that my credit score was XXXX and list on the website that my score is is a XXXX on XX/XX/2020.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Purchased a Fridge and immediately tried to return the product and cancel the order before getting it. XXXX XXXX denied it and filed a claim with bank of america. Whom refused the claim aswell. This is NOT a product I ever wanted and I have tried to work with both of these companies who refuse to provide me with any service or work with me in anyway.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-04-30
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX  XXXX {$11000.00} XXXX  XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (NV)

Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
Consumer complaint received 2020-07-16
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: TD BANK US HOLDING COMPANY ()

I paid for a cruise with my TD visa card. 
The cruise was interrupted and returned to original port ( XXXX ) I had additional cost {$7400.00} for airline back to XXXX  as the cruise was to end in XXXX and our tickets from XXXX to XXXX were unrefundable. 
Paid with TD visa {$6500.00} XXXX XXXX Visa paid me {$5500.00} on XXXX XXXX and retrieved from my Credit card account {$5500.00} on XXXX XXXX I called to find out how they did this without my consent, they advised that I did not respond to information requested. 
We moved back to XXXX because of the Covid 19 and did not get the mail or telephone calls, as they left all messages in my XXXX  home. 
When I called to explain, they said the case was closed. 
I immediately faxed all the information I thought they would need and asked for them to open this case as I never received any request. 
I have thusfar faxed 4 other times asking to repay my claim with no success. 
my claim was for {$6500.00}, but now am questioning if I should also claim the additional {$7400.00}
Consumer complaint received 2016-11-22
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has now stolen 2 times from my family in 2 months. We were told that the accounts that we opened would never have any fees for any reason ever, but now I am seeing XXXX withdrawals for {$12.00} each. 

Postdate : XXXX/XXXX/2016 Amount : XXXX Type : Bankcharge Description : MonthlyMaintenanceFee Merchantname : MonthlyMaintenanceFee Transaction category : Finance : ServiceCharges/Fees
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020. Please refer to complaint XXXX I submitted a complaint to the CFPB in regards to Transunion and XXXX XXXX reporting an account incorrectly on my credit report. In a nutshell XXXX is reporting a delinquent account as a mortgage however the account was never a mortgage or a secure loan. Transunion responded to the complaint to say I needed to submit proof of address because my address did not match, which is not true.I am attaching proof that my address is the same on transuion website and in a letter they sent me last year. So how can they say my address is different. this is just a diseptive practice they have to discourage and deflect people from correcting their credit report. This is unfair practices and it need to be addressed. CFPB did not even research the answer they took what they said at face value and closed the complaint. I am filing another complaint to document my efforts to resolve this issue. I will attach the following. Original complain, proof of address. It may seem trivial to you all but this is hindering my lively hood.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( Experian, XXXX, and XXXX ).
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (PA)

Someone did a mobile deposit of XXXX on XX/XX/XXXX into my and my sons joint checking account. My son called bank to inform them this was not right. The check got returned due to being drawn on a fictitious account. In the meantime we got charged XXXX fee for depositing a bad check that neither one of us did. Now his account is frozen. They will not give me the # of the mobile phone that did this nor the IP address it was done from, They will not refund the XXXX. 

The check was made payable to my son from some lady in XXXX NM, Check was not endorsed by my son, check was signed with a different name than whats on the account. I tried to contact this lady, but did not have any success with her home or work numbers I located online. I feel this is wrong to charge my account a fee for a scam check that was not deposited by myself, my son or anyone we know. They will not give me the information of where this deposit initiated from. How unfair for an honest person to be treated like a scammer and a liar. If you should need copy of this scam check or any other information please reach out to me. I have contacted local branch, they said they would get back to me and never did. I then called the XXXX # and still could not get any answers.
Consumer complaint received 2020-04-30
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: LAKEVIEW LOAN SERVICING, LLC (TX)

I requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call Lakeview every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for Lakeview to  removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from Lakeview stating that the inquiry was finish and they would not removed the late payments.
Consumer complaint received 2017-01-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I have contacted Wells Fargo on three separate occasions both taking an extended time to even get someone on the phone. I have requested they stop my bill pay ; which they have not ; they have debited {$200.00} out of my checking account without my permission. When I called to request the refund, only 1 payment was refunded which took 48 hours, then I had to call back a second time for the second payment. I advised this has been cancelled both over the phone and via my online banking. Now a 3rd payment has been drafted. I have had to wait 48+ hours all three times ; I have had to make numerous calls and been financially inconvenienced by having to wait for the money to be returned. I called today Sunday XX/XX/2017 and after 3 phone calls and over an hour on the phone I was advised I would instead have to call back on a bank business day to have the payment returned. XXXX!!! They need to refund my {$200.00} immediately and CLOSE MY ACCOUNT!!!!
Consumer complaint received 2020-07-16
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (PA)

Dates : opened in XX/XX/XXXX. 2 accounts American Express Still reporting on my credit report as charge off. incorrect the first date of delinquency. incorrect date closed. The Statue of Limitation has expired. Now their trying to collect. collection notes I received this year. I sent them letters Stop & Desist all letters sent to them are all return Receipts certify mail.Contacted American Express in writing at the following locations including XXXX XXXX, Florida ; XXXX, NJ ; XXXX XXXX, TX ; XXXX, NY ; XXXX, MA, XXXX, TX. dates XXXX ; XX/XX/XXXX, ; XX/XX/XXXX, XX/XX/XXXX & more dates. I also file a complaint with the XXXX  in the state of XXXX, TX. I have disputed these accounts with all 3 credit bureaus as well.Amount {$28000.00}. The other amount {$13000.00} yes these accounts are closed accounts.