davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
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: U.S. BANCORP (CA)

To summarize : On XX/XX/XXXX, a US Bank loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to US bank to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by US bank is significantly lower than XXXX, so we decided to go ahead with US bank instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is US Bank 's internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with US bank. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

On my  XXXX  &  XXXX  report s Midland Funding Credit is c ollecting on a debt from    X/XX/2012      this is when the debt was charged off. I had medical issues & the original creditor was  XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help.   Thank you.
Consumer complaint received 2018-06-13
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (PA)

I went to XXXX school back in XXXX and received a loan from Sallie Mae for the amount of {$8000.00}. I made payments to Sallie Mae until the loan was paid off at the end of XXXX. I never received paperwork or anything in the mail showing a payoff of the loan. I moved to the east coast from XXXX XXXX to XXXX in XXXX and thought the loan was paid off and in XXXX they garnished my husbands federal tax returns through a company called Navient and sent the rest of this bogus loan amount to a collections company out of XXXX XXXX called XXXX XXXX XXXX. 
Tried calling Navient to figure this loan amount out that was already paid and I get no calls back. XXXX XXXX say they are collecting on Sallie Mae 's behalf also, but nothing is on my credit report regarding student loans or these amounts. Navient has took my husbands XXXX & XXXX tax returns totaling over {$5000.00} and now I need some help getting this debt that was paid removed before they try and garnish his wages too. They are liars and crooks and they are ripping off the hard working American people.
Consumer complaint received 2018-06-13
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. (TX)

I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the report.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also Experian keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (OH)

I received a collection report that says opened XX/XX/23 for the amount of {$100.00} even for XXXX XXXX. I called XXXX who bought XXXX and they advised that when i closed my XXXX  account 4-5 years ago i had no balance due. after doing a quick search on XXXX  i see that hundreds of other people have had this show up on their collections report in the last 20 days, a lot of the people state they havent had the service for 10 + years. XXXX is not even in my business anymore and the new owner XXXX states that i should not have a collections account. The reporting agency is Jefferson Capital System which I have also seen people claiming is a scam. I reported this to XXXX XXXX and need it removed from my account.
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Specialized Loan Servicing Holdings LLC (FL)

Good day Sir /Ma'am, I took out a second mortgage on my home in XX/XX/XXXX with XXXX mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through XXXX  XXXX XXXX. I was face to face with the XXXX reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XX/XX/XXXX we got transferred SPECIALIZED LOAN SERVICES. This company not only add interest back from XX/XX/XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XX/XX/XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; equifax, experian, or transunion. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NJ)

The background company Checkr is not pulling in the correct information from the NJ Motor Vehicle Commission. I applied for a driving position with XXXX. XXXX used Checkr as the background verification company. The company sent an adverse action stating the main reason were two items listed on the report as operating during a suspension period on XX/XX/2017 and XX/XX/2017. I contacted MVC and confirmed that the XXXX item is a notice of scheduled suspension and the XXXX item is the actual suspension. I contacted the background company and explained this to them. They required me to obtain this detail from MVC and send it to them. This cost me {$15.00} to obtain an abstract and send it in. My position is that if the company is hired to provide accurate information, they should work with the agencies to understand what all of the codes and events are and report them accurately. Checkr has not done this. I am requesting assistance from the CFPB to enforce this so that not only this company is held to the standards setup to protect consumers, but other companies as well.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

I deposited {$300.00} on XX/XX/XXXX into XXXX XXXX for {$250.00} worth of Bitcoin and  {$50.00} worth of XXXX Cryptocurrency. Then on XX/XX/XXXX I tried to deposit {$300.00} more via bank deposit but was denied. My account recorded a negative balance of - {$290.00}. I then did a bank Transfer on XX/XX/XXXX for {$300.00}. My account still says - {$290.00} and they say I need {$300.00} more to be at XXXX balance.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, I noticed on routine review of my checking account and online bill pay account, that an unauthorized and unrequested payment in the amount of {$5800.00} had been sent by check to XXXX XXXX XXXX. I called the customer service line at Chase and was told I needed to speak to the " claims '' department, and was given another number to call, which I did. After nearly an hour of wait time, the representative told me he was only authorized to deal with debit card fraud and I would have to wait for another agent. Within minutes, the line disconnected. I called again and after 45 minutes reached another representative to whom I explained the situation in detail, including telling her that Chase had sent the {$5800.00} by check and asking her to stop payment on the check. After 10 minutes of " checking '' she returned to my call and informed me the charges " would be reversed '' and the credit would post to my account within 1-2 days. 
On XX/XX/2020 I received a form letter from Chase identifying the XX/XX/2020 date of my inquiry and identifying it with Claim Number XXXX. " Here 's what you should know : As we discussed and agreed, no action will be taken. This inquiry is now resolved '' Shocked, I contacted Chase Claims department by phone on XX/XX/2020 and asked to speak to a supervisor, who gave his name as XXXX and informed me he had no Chase employee ID for identification later. He reviewed the inquiry and agreed to stop payment on the check. He indicated that if XXXX XXXX XXXX cashed the check and refused to return the money that Chase would not be responsible. When I asked if he thought this was reasonable, given that I had asked for stop payment on XX/XX/2020 and that the conversation on that date had been recorded, he answered " yes ''. 
He further suggested that I contact XXXX XXXX XXXX myself to ask them to return the check. And when I asked that Chase acknowledge the change in the status of my inquiry in writing, he stated that no additional letter would be forthcoming.
Consumer complaint received 2016-08-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (AZ)

Never received anything in writing from the collection agency. Continuing to pay the creditor but have no written trail of anything. Not even sure what the bill is for, how much I still owe, or what has been paid. All communication has been over the phone.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX. I made a payment to America express. 

America express only applied {$1100.00}. I have been calling so they can applied the right amount and they continue saying that it was a mistake and they were going to fix it and we still waiting for them to fix the issue. it has been a month from them collecting interest on an amount that was payoff. 

This is not right i do not own them anything i want the money back or the money to be apply to the balance. I attached the whole statement to prove it. 

Also they advised that they were going to give me XXXX miles when i spend XXXX dollars when i called they told me i had a chance to get it until XX/XX/XXXX. them they told me it was too late that was only until XX/XX/XXXX that is false advertising. i want this issue to be resolved.
Consumer complaint received 2021-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC. (CA)

I took out 3-4 consecutive payday loans at Check Into Cash in XXXX XXXX . She says I owe her a payday loan amount from past after I stopped requesting more loans. It's not possible to owe from past cuz if I don't pay off owed money, I wouldn't have been able to continue borrowing. They keep trying to deduct automatic from my XXXX XXXX account {$300.00}. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
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. (PA)

Experian Credit Bureau representatives are extremely difficult to reach. My credit score decreased approximately 150 points a year ago when my daughter defaulted on her XXXX card and they wrote the debt off. I have been increasing my score steadily since then. I have never, ever paid any account late since the beginning of my credit history. Last month, my Experian report stated that my credit limit decreased. They didn't explain who reported that information and, as I said earlier, reaching them is nearly impossible. I would like to know why my other credit bureau scores are much higher while Experian remains much lower.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Basically I received money from unemployment through direct deposit and they permanently closed my account I went through there resolution process and tried to call but was on hold for hours I sent them all the information they requested to verify my account and got no reply please help me be able to access my account funds I have kids and rely on that money to keep a roof over there heads please XXXX XXXX
Consumer complaint received 2020-04-27
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2018-06-11
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. (MD)

On XX/XX/14i visited XXXX XXXX dental office for extraction inform them at time of visit that i changed dental insurance from XXXX XXXX XXXX to XXXX XXXX gabe my XXXX XXXX card paid my copay and the billed XXXX XXXX XXXX and XXXX XXXX for services when XXXX XXXX inform me and said for them to resubmit without XXXX XXXX on bill they did not my XXXX XXXX # XXXX group # XXXX i work for XXXX XXXX insurance automatically come out my pay i ask XXXX XXXX if i could pay one dollar just to get it of my report they refuse dont see how this could be my fault if the billed incorrectly XXXX remove it and so did XXXX. XXXX wont even let me file a dispute again
Consumer complaint received 2018-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I've called Equifax 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to Equifax on : XX/XX/XXXX - " midland funding reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agencies XX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked Equifax to stop the dispute. Also, Equifax should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only Equifax barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a brokerage account # XXXX XXXX I had an issue with their trading regulation. I decided to sell my position and when my trade were settled on XX/XX/2020 I decided to make two ACH withdrawal through XXXX XXXX. exhibit1 shows the returned ACH withdrawal. 

I then decided to withdraw the entire balance 0f {$9700.00} as shown in cash withdrawal with Merrill Edge. I had contact a certain XXXX XXXX from the brokerage who walked over the phone as i was making the withdrawal online ; this occurred on XX/XX/2020. 

On Monday XX/XX/20 I logged-on to Merrill Edge  and found an overdraft charge for the amount I withdraw, even though It was my cash and all settled cash. I have been threatened by an 18 % charge on the assumed overdraft. I called on XX/XX/20 and talked to XXXX XXXX who assured me there was no overdraft ; on that same day I also talked XXXX XXXX who also assured me not to worry. 

I logged -on to my account on XX/XX/2020 and saw the overdraft not cleared and that my own cash is now treated as a margin. I never had any outstanding margin balance and only draw the cash I deposited initially plus any profit I made o n my trades. Exhibit 2 is the last statement that show all cash was settled and there was no outstanding margin on XX/XX/2020. 

I believe this is pure racial bias and lack of cooperation from Merrill Edge to resolve any issues I had with this account. I really need your help with this unnecessary problem that should not have taken place. everything I tried to do with the account does not seem to work