davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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: AMERICAN EXPRESS COMPANY (MD)

Someone fraudulently used my American Express credit card number that my son set up for me as part of his account to purchase without my permission four items from XXXX. The items were sent to my address in Maryland. There were two fraudulent transactions. A total of {$92.00} was fraudulently charged to the credit card number for the first transaction on XX/XX/20. A total of {$12.00} was fraudulently charged to the credit card number for the second transaction on XX/XX/20. I did not place these orders. We notified XXXX and American Express of this situation. We were able to return three of the items to XXXX, who acknowledged the return. When I asked for a return invoice from XXXX for the fourth item, they sent a return invoice with the wrong UPC code - a UPC code for an item different from what was sent - and refused to accept the return. American Express has refused to cancel the charges. In addition, we notified American Express of this situation and they canceled the original credit card number and issued a new credit card number. The old credit card number was no longer valid or active. Despite the fact that American Express invalidated the old number, someone fraudulently used the new credit card number to make the last purchase without my permission because American Express linked the invalidated number with the new active number - allowing an additional fraudulent charge. American Express is charging us for items that XXXX accepted for return. It appears that any money was refunded to the person who set up an account that used the credit card fraudulently. 

A piece of clothing was sent ; not lip brushes, etc.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc (MD)

Joseph Mann and creed have contacted me twice at work now. The first time of contact was on XX/XX/21 around XXXX. My job is for XXXX XXXX. Its a XXXX XXXX. They call there asking to speak to me. First thing is first I dont owe anyone any money to begin with. Second you cant call an XXXX XXXX to collect a debt. I told them to stop calling in shorter terms. They have again called at my place of employment on XX/XX/21 at XXXX. This needs to be taken care of and stopped.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I lodge a complaint through the same website and what you sent me was copy of reporting transactions which is not a verification. If your company was offering the credit alert service for free to consumers I wouldn't have been a victim but all you do is charge for the service and everybody can afford to be paying for the service monthly. 
Your previous responses ONLY show transactions but do not have my signature or any prove that I have knowledge of the accounts and transactions. 
I demand the following accounts be verified or removed immediately. 



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 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not know that through using a consumer counseling agency it appears that nobody reports my payments to credit bureaus. The consumer counseling agency ( XXXX XXXX ) stated that they don't report to credit bureaus. I contacted the company ( XXXX XXXX ) whose been receiving my payments and they haven't reported to the credit bureaus either. ( They asked me to send them a copy of my credit report. I didn't see a reason for this because they know when they have received money on my account. ) I contacted XXXX to dispute the fact that the credit report record indicates no payments under this company. The dispute was resolved according to XXXX and they lowered my score 10 points. I sent them a letter asking for an explanation about why my score was lowered to be sent to me in writing. To date, I have not been given a written response. However, my score was reduced another 2 points by XXXX for a total of 12 points. I thought there were no consequences for making disputes on a credit report. I sent a letter to Transunion about this same situation. I don't think that it is fair to make payments and nobody reports it. I don't know what type of investigation credit bureaus do without providing detailed explanations to consumers. I will attach documents for details.
Consumer complaint received 2019-11-11
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. (SD)

I am a victim of identity theft, I have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for two accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all three of my credit reports for both companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on one for both accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for both of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

when i bought this vehicle and good a loan from crystler capital I paid for GAP insurance and that means that the loan would be paid off if something ever happened to the vehicle. and it was totaL LOSS ON XX/XX/XXXX 2016 no regular insurance I have GAP insurance
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!
Consumer complaint received 2019-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

In the fall of XX/XX/XXXX we obtained a commercial bank loan from Chase. The loan officer we worked with was very aggressive with the interest rate in order to get our business. 

In XX/XX/XXXX Chase attempted to call the loan on the basis of an " ownership change '' made by the lessee of the property. Despite having been informed of the name change of the lessee as required by the terms of our loan, Chase remained very persistent until they were informed that the name change of the corporation did not constitute a change in ownership. 

On XX/XX/XXXX we received a default notice from Chase on the assertion that we had not provided requested company tax documents. Chase was using the old corporate name of the lessee as the basis for the default despite knowing that the name of the corporation had been changed. They claim there were The Borrower has made timely payments on the guaranteed loan, so there is no current or past issue with either the loan ; and there is no basis for questioning the Guaranty. To be clear, the LLC holding the building and the lessee ( corporation ) stand ready to abide by all of the terms of its XX/XX/XXXX Guaranty. 

Chase entered into this loan willingly at the current rate. They have now made two attempts to try to force a default in order to raise the interest rate at the prevailing rate.
Consumer complaint received 2021-05-24
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. (IL)

On XX/XX/2021 I checked my credit report and there were a lot of fraudulent activities. I disputed the fraud accounts, and inquires on my credit report with Experian. I uploaded several documents as requested to provide proof the account was fraudulent and did not belongs to me. I even tried reaching out the company to provide proof it was not me who opened the fraud account. Experian is not up holding consumer rights and needs to be investigated for XXXX discrimination. The FCRA read section 609 Should not allow any incorrect, erroneous, inaccurate, or untrue on my credit report. I am very disappointed in the False and deceptive investigation Experian has provided.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I sent a dispute contesting ownership of my last auto loan because I thought the account belonged to my mother. The dispute was sent to XXXX, Equifax and XXXX as I recall and on XX/XX/XXXX, I received the results back as " verified '', the account belongs to me also. Well since that day I feel like I've been suddenly harassed as I checked the auto loan results I noted that the headline showed " Needs attention '' and in XXXX I believe that notation caused a nosedive in the credit score. I could feel negative energy as I noted every collection account at least showed " Needs attention ''. Then I checked the other two bureaus and noted the same thing - " Needs attention '' on every collection account ( some of them are showing incorrect information ) that I haven't disputed. 

I contacted the auto loan company they said it was the bureau 's responsibility. I'm hoping for the removal of the " Needs attention '' notation from every account that it has been placed on and perhaps my XXXX account would see the higher credit score return. 

Thank you
Consumer complaint received 2021-08-15
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)

XXXX  XXXX has placed 2 inquiries allowed by someone else. This bank operatess out of nevada i do not do online applications and i do not need any loams or card not have i applied.i got a letter from XXXX XXXX my info was compromised. I advised company to remove inquiries and never enter my social into my their a Database. This govverment complaint was also requested by company. One inquiry was XXXX. One in XXXX Company adress is XXXX XXXX XXXXXXXX XXXX XXXX  nv XXXX
Consumer complaint received 2021-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2017-09-16
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. (KS)

I recently ordered my annual free credit bureau report from Experian. 

Because I am a previous identity theft victim, I have placed credit freezes on all of my credit bureaus for a charge of {$5.00} per bureau. When I ordered my bureau from Experian, a message came up that implies my credit bureau is not frozen, although I have proof in the form of a credit card charge that the freeze was lifted for about a week in XXXX and then placed back on the account. This is because we applied for a new HELOC loan. 

At no time while I ordered the free credit bureau report did the company ask me to pay {$5.00} to unlock my bureau. They also never required me to provide a pin number. When reviewing my bureau, no where did I find a notification stating my bureau is on a freeze. It clearly states this on my other credit bureau report. If my bureau has been unfrozen despite paying for the fee, I will be absolutely furious. I am attaching a screen print of the message from Experian when I ordered my credit bureau report.
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 — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

This is a student loan from XXXX that was placed in deferment several times before being " Paid in full '' in XXXX. 

My XX/XX/XXXX credit report incorrectly shows several late payments for this student loan when they were in deferment. 

My credit report also shows the Dept Of Education/ Aidvant account listed ( 5 ) five times under different account numbers. I only had one student loan and it was paid off as agreed. There should not be 5 accounts reported to my credit profile for 1 student loan.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (UT)

XX/XX/XXXX : Closed account XX/XX/XXXX : No check had arrived, so I contacted them and submitted a declaration of lost check XX/XX/XXXX : Submitted a corrected declaration of lost check XX/XX/XXXX : Contacted again after check had still not arrived XX/XX/XXXX : Issue closed and told check had been mailed and would take 7-10 business days XX/XX/XXXX : Still no check - contacted again, told that check had not gone out and was told to expect a response in a day or two on what happened XX/XX/XXXX : Still no response
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I called Bank Of America at XXXX to report that I had received several emails on XX/XX/XXXX stating that my application was approved for an account. I spoke with XXXX in GA who provided me with case no. XXXX. I was advised to contact the FTC, XXXX XXXX  and the credit bureaus as well as provided an email with the information. I was told an account had in fact been opened but no further information could be provided at the time. I was advised the account would be closed and something should be sent to me in the mail. 
I called back to Bank of America on XX/XX/XXXX and spoke with XXXX in TX in the fraud department advising I had received a text to my phone for a verification code. XXXX advised that the account is closed and there is no access. 
I spoke with XXXX in TX on XX/XX/XXXX in the fraud department and advised that I had not received anything from Bank of America in writing and requested something be sent to me. He advised me that he would request a letter be sent and to allow 7-10 business days to received. 
I called back to Bank of America on XX/XX/XXXX and spoke with XXXX in TX in the fraud department regarding the previous call where I was told a letter would be sent in 7-10 business days and still hasn't been received. She advised that there was no document that could be sent due to the account already being closed. I requested to speak with a Supervisor. I spoke with XXXX who was a supervisor in TX as well who advised that due to the account being closed at " no loss '' there was no documentation that could be sent out. I reiterated that I needed proof of this in writing because I only have their word that the account was closed. He stated he would send the request to an analyst for a resolution letter and also a form FACT ACT 151 be sent to me vial email. He stated the request could take up to XXXX business days to be approved. 
It is now XX/XX/XXXX and I have not received anything from Bank of America since the first call on XX/XX/XXXX although I have asked twice and have been told twice something would be sent and or requested.
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Date of late payment : XX/XX/XXXX Amount : {$200.00} I have reached out to Credit Acceptance about my financial hardship of losing my job in XXXX of XXXX and they were not receptive to my request of giving an extension date on payment. I have been to the XXXX XXXX XXXX and have spent over two months in recovery all while trying to provide for my family. It has been a very hard situation for us not only involving my health but it is also extremely hard to get approved for anything from the bank now as well.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (IL)

On XX/XX/2020. I checked my XXXX XXXX app. ( which I do every Friday of every week because thats when my credit updates ) Long and behold when I did I see that my XXXX  score dropped ( XXXX points to be exact ) So upset I looked to see what changed. Thats when I discovered that I had a collection from XXXX XXXX XXXX XXXX XXXX XXXX for XXXX that was placed on my credit from a Collection agency by the name of Receivables Performance. Now at this point I am livid!! Because one, not only do I believe this debt is in accurate. But I never recived any notification from this agency about this debt or even had the right to Dispute. They just placed it on my credit!! Without any prior notification. Which in my opinion is fraud and violation of the FCRA. This is absolutely not OK!!!!! Especially with a DEBT FROM XXXX XXXX XXXX XXXX XXXX!!!!! They are a fraud and try to collect unowed fees etc. Which is why I left them and reported them several times!!!!
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I have had a mortgage with Fay Servicing , LLC and I asked and filled out all paperwork required for a loan modification because of a severe medical problem, I just can not make the payments because it is a variable rate interest only loan and the payment keeps going up beyond my ability to pay on time. We contacted them on XX/XX/XXXX and filled out all paperwork they gave us, then they did not respond at all for 3 weeks and after I attempted to contact them 3 times, they ignored my requests. I then sent them in a final package of paperwork which they said they never got ( stall technique ) I then found the USPS date of delivery of XX/XX/XXXX and it was delievered to them. They are not communicating back in a timely manner and I can not make my payments any longer. They are dishonest and deceptive in trying to stall our requests hoping we go away. I need immediate help to get them to accept our modification as it was written. Thank you.