davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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: American Credit Acceptance, LLC (AZ)

XXXX is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform XXXX of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that XXXX didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported. 

I also advised XXXX that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account American Credit Acceptance - not my account ; was victim fraud - have provided info FTC report/ police report to XXXX XXXX account removed by other agencies by not XXXX XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ORG GC GP BUYER, LLC (MI)

XXXX charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by GC Services, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.
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. (NY)

I had a XXXX XXXX opened on XX/XX/XXXX XXXX which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX to honor what they said they were going to do and remove this closed account from my file. Thank you
Consumer complaint received 2021-09-22
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: Experian Information Solutions Inc. (AZ)

Experian is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Experian of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Experian didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Experian that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan XXXX  XXXX - never had a charge off account Management Support - not my account ; was victim fraud - have provided info FTC report/ police report to Experian XXXX account removed by other agencies but not Experian
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries were enter on my credit report without my knowledge. I did not authorize my credit to be pulled by the following companies. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please remove these items from my credit report.
Consumer complaint received 2018-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (TX)

AR RESOURCES INC OPENED A COLLECTION ACCOUNT ON XXXX15 FOR {$610.00} ON BEHALF OF XXXX XXXX XXXX. AR RESOURCES INC IS REPORTING THIS DEBT TO THE CREDIT BUREAUS. THIS AMOUNT SHOULD NOT HAVE BEEN REPORTED TO COLLECTIONS BECAUSE IT RELATES TO EMERGENCY SERVICES PROVIDED TO ME THAT WERE COVERED BY FINANCIAL AID THE HOSPITAL APPROVED. THERE WAS AN APPARENT LACK OF COMMUNICATION BETWEEN THE HOSPITAL AND THE PHYSICIANS IN THIS REGARD. THERE IS NO DEBT.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

I paid some {$11000.00} thru my Citi XXXX XXXX for a cruise on XXXX that was eventually cancelled due to the Coronavirus. XXXX refunded my {$11.00}, XXXX on my Citi XXXX XXXX on XX/XX/2020 and since that date I have been trying to get the credit balance of some {$10000.00} transferred back to my checking account. 

I keep getting a different story each time I call. On XXXX I was told it was approved ( not sure what needed to be approved since it was my refund ) and the transfer would take place in a few days. I called again on XXXX and was told it was approved on XXXX and would get it in a few days. 

Citi XXXX is holding a large sum of my money and I could use it in these difficult times. They have no trouble charging me interest if I am one day late but can not seem to find the time to refund my money
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a Bank of America Premium Awards VISA credit card member at its highest level. One of the benefits of this card 's program is reimbursement of non-refundable travel expenses in the event travel has to be canceled because of illness. I had to cancel hotel reservations at a XXXX XXXX for XX/XX/XXXX to XX/XX/2020 because I was undergoing XXXX treatment of XXXX  XXXX XXXX at the time of reservation. The reservation was canceled on XX/XX/2020 .Bank of America has declined my claim of {$710.00} for this canceled travel expense without explanation. 

From the VISA Premium Rewards Benefits Guide, " What types of Non-Refundable Travel Expenses are eligible for Reimbursement. '' " ... Licensed Providers of Lodging ( hotel, inn, motel .... ) '' Clearly, I am entitled to reimbursement from Bank of America ; but BoA has declined my claim without explanation.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Windham Professionals, Inc. (FL)

On XX/XX/2016, I made verbal arrangement with Windham Professionals ( contracted via the Dept of Educ ) to pay back a school loan in default. The arrangement would be to pay {$280.00} mo 240 months 20 years charging me every month electronically using my credit card. I was told that interest would be paid first & then principal which made sense when I made the calculation for the debt of approx {$66000.00} & that interest, fees, garnishment, etc would not occur as long as payment continued. I noticed that my credit card was no longer being charged & statements were no longer being received & called them. They told me that they had no record of such agreement regarding the 20 years payoff ... & that I was supposed to call them a year after I made said agreement to renew the agreement if paying {$280.00} per month in which {$4.00} would go towards principal & the rest to interest & fees that increase daily. I asked if all their calls were recorded which they confirmed bc this verbal agreement was in fact made & feel that Ive been defrauded which now increased the student loan to close to {$70000.00}. I was also threated that they would garnish wages if I did not make payment ASAP. The original call in XX/XX/2016 was made with Ext XXXX XXXX who then transferred me to a supervisor whom made this verbal agreement regarding the 20 year time period to pay off. This is a clear case of negligence, dishonest business practices, & consumer abuse. I thank you in advance for your assistance. I just want to pay the student loan but I seem to have been duped.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

i recently checked my credit report and realized there is an outstanding bill for XXXX dollars for this company that i have heard about nor have i ever signed a contract with i have tried numerous to contact them but no answer again i dont know this company i have never signed any agreement with them nor any of there affiliates
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/2018 someone claiming to be an agent of XXXX XXXX bilked me of nearly {$500.00} via American Express prepaid cards. Details are in the attached correspondence with American Express. Instead of getting down to work and identifying the merchant whose account was credited, American Express keeps sending me stupid unsigned letters asking me to go through their telephone XXXX, although I have several times told them I will not do that. If they want to talk to me by phone they can use my home telephone number, which they know. They also talk about using email, but they have my email address. Someone in the fraud office of American express is doing nothing about the case except sending stupid letters. This has been going on for over a month.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AZ)

I was making a purchase at the XXXX XXXX location in XXXX, VT, XXXX. A cashier named XXXX told me I was signing up for a rewards program and that my ssn was needed for " security reasons. '' About half an hour after leaving the store, I realized that I hadn't had my guard up, and had been scammed into signing up for a credit card, that I might not ever receive, and that, despite the appearance that I had paid for my purchase up front ( i had swiped my debit card to make the purchase ), in fact, I had been scammed into assuming debt for my purchase, that I would likely never be prompted to pay until I would hear from bill collectors and see it on my credit report. If this isn't illegal it should be, and regardless, all consumers should be aware of this shameful practice.
Consumer complaint received 2020-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (CA)

I paid my loan in full via cashier 's check on XX/XX/XXXX. 
On XX/XX/XXXX I called the company to make sure the payment had been received. I was assured that it had been received and posted to my account. On my request, the XXXX said I would receive an email notification within 24 hours stating that my loan had been paid in full. 
48 hours later ( XX/XX/XXXX ), I called again to ask the status of said email notification as I had yet to receive it. At that time I was informed that even though the payment had been applied to my account and that the account had been closed due to receipt of payment, I would have to wait 10 days from the receipt of payment to verify my funds and it would be an additional 24 - 48 hours after that time before I would receive written confirmation of receipt of funds and closure of my account. 
At that time he CSR assured me that she would put in an expedited request as the receipt of confirmation of account payment and closure is holding up a property closing on my end. 
On Tuesday, XX/XX/XXXX, I called again to ask if my request had been expedited. At that time I was told that it would not be expedited. I requested to speak to a manager, and was told no one in management was available to speak to me. I was also informed that it would take 3-5 daysfrom the time of my request for payoff confirmation before I could expect an email. I pointed out that it had already been seven days ( XXXX ). After I pointed this out, the CSR told me I could expect an email by Friday, XX/XX/XXXX. 

My frustrations : 1 ) Incomplete and varying information about processes and time frames. Every time I call I get a different answer tomyrequests and questions! This does not foster any trust that this company is giving truthful, consistent information. 

2 ) Lack of availability to someone other than a CSR. I am being told by the CSRs that " their manager '' or " the back office '' can not ( will not ) talk to me to elucidate your policies. 

3 ) I paid with a CASHIER 'S CHECK. This is as good as cash! This situation is akin to me giving them {$13000.00} in CASHand being told I can not have a receipt for my money! When I asked for a simple letter ( typed by anyone ) stating that the funds had been received and that the account was closed, I was told thatthat was not an option. (??? ) Bottom line, I have paid my debt in full, and LendingClub is refusing to show receipt of payment.
Consumer complaint received 2018-06-14
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. (TX)

I have contacted transunion via mail several times to get them to remove a negative 11-year account from my credit report, to no avail. After several months of communicating with  transunion, the account still exists. The account is from XXXX from 2007.
Consumer complaint received 2017-12-28
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: Experian Information Solutions Inc. (KY)

There are some inquiries on my experian credit report that I did n't permit some being multiple times : XXXX XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX7,XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXXXX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

Tuesday XX/XX/XXXX : My wife receives notification of a Chase Fraud alert for a {$460.00} charge at XXXXXXXX XXXX in XXXX  and {$210.00} at XXXX XXXX ( She was on vacation in XXXX, I was at our home in XXXX XXXX  ). Her purse was stolen out of our car at the XXXX in XXXX XXXX and the criminal had our credit cards and her ID. Law enforcement was engaged and police report XXXX. While police and wife were engaging in XXXX, I was at the local chase bank here in XXXX, XXXX  closing accounts and getting cards reissued ( 2 hours in the local branch with my XXXX XXXX XXXX daughter ). The associate also had chase fraud on the phone. I was sharing information about the case with chase fraud/associate that my wife was providing to the law enforcement. ( Sheriffs name, camera footage from the hotel where purse was stolen, etc. ). During this time, the thief tried charging an addition {$1200.00} at a XXXX which was denied by chase fraud. 
I have engaged XXXX XXXX who is the VP of the branch bank in arizona at XXXX XXXX XXXX location . He knows me and knows that I was in the bank that day dealing with this. 
To date XXXX : Chase has denied to refund these charges even though I have asked for 3 reviews ; I have provided the police report number, asked them to pull cameras or audio details from the day it happened, asked them to consult their VP of the local branch to confirm my identity and the incident ... ..all to no avail. We had an HSA card from a different bank that was stolen and used and this was taken care of in 7 days with no issues. Not sure why the largest bank in the US does not offer the same security.
Consumer complaint received 2023-03-29
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)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my reportXXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX Balance : {$7900.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance : {$3000.00}
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX / {$740.00} / XX/XX/2022
Consumer complaint received 2020-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the XXXX  data breach and may have been placed in the hands of the wrong person.
Consumer complaint received 2022-08-12
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. (UT)

I disputed XXXX XXXX and XXXX with XXXX, equifax and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2018. 
We sent SPECIALIZED LOAN SERVICING, LLC all of our documents for a review of a loan modification program to help us get back to paying our mortgage. We are in hopes that they will offer us something affordable. They said they have all documents and are in review. But still while in that review the foreclosure sale is still set for XX/XX/2018 and we are worried about that. 
If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.