davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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)

This is a formal complaint againsXXXX XXXX XXXX and TransUnion. I have disputed XXXX XXXXXXXX and XXXX accounts several times but they simply refuse to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via the XXXX XXXX XXXX And I've sent every piece of proof that all these credit reporting agenciescould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 


Account Name : XXXX XXXX  Account No. XXXX Balance : {$170.00} - I have disputed this on XX/XX/XXXX, but I still see the date of last payment reporting inconsistently. XXXX  is reporting XX/XX/XXXX, while XXXX and TransUnion are reporting XX/XX/XXXX. 


Account Name : XXXX Account No. XXXX Balance : {$0.00} - The high balance is still reporting inconsistently. I have disputed this account on XX/XX/XXXX for the reason that the date of last activity is reporting XX/XX/XXXX in TransUnion, and XX/XX/XXXX in XXXX.
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (IL)

On the following dates, I have received automated phone calls from XXXX to my cell phone : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Researching this number in XXXX  identifies the caller as State Collection Service , Inc . In one instance, an automated message was left on my voicemail. I have never given State Collection Agency permission to contact me at this number.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/ 2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-08-04
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2021-09-09
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am still trying to recover my money from Capital One, I've been a customer of theirs for years but they allowed a fraud to occur even after XXXX tried to stop it. I'm out {$2700.00} and this company does not care. 

I paid a seller on XXXX app with my Capital One Visa credit card. It turned out to be a fraud. The seller shipped fake shoes to me instead of the XXXX XXXX  I paid {$2700.00} for. XXXX put a hold on the funds, while they investigate. I got impatient and scared, reached out to capital one for help. They denied my dispute and had XXXX release my money to the scammer. I find it appalling that XXXX could have refunded my money, but because of CAPITAL ONE and VISA, I am scammed out of {$2700.00} because they chose to side with the scammer instead of me, their customer. This is ridiculous. I am trying to recover my funds and Capital One has so far been no help. Be wary of using your Capital One cards with online sellers. If things go wrong, Capital One will never protect you. I've reached out to XXXX on this and they referred me back to my card issuer. 

I need capital one to reach out to me and resolve this.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/year> This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I applied for a cash out refinance loan with AmeriSave mortgagert on XX/XX/XXXX. The mortgage loan originator took all my information and gave me a link to pay {$500.00} application fee which would be refunded at closing. After the process started and I submitted all requested documentation and the appraisal was performed. My home appraised at $ XXXX and I was requesting XXXX cash out paying off everything on my credit file which amounted to around {$15000.00} and the rest was for other things I had hope to pursue. 
The representative issue an approval based on information provided and sent my file to his processor. From this point everything changed. I paid, sent in all my information and was sent early disclosures and after which I could get little to no more responses from this XXXX. Lender. I called many, many times to the LO and processor over the course of weeks, my emails were practically unanswered. The only times answered were after 3 to 5 of the same emails sent. After appraisal came back and all income docs sent, the processor informed me I had a 30 year loan not a 20 year as discussed initially with LO. They were telling me I had a Debt-TO-Income problem. I asked to provide the ratios to me and never received, just a declination notice in the online portal. I have been a Loan officer ( 20 years ) and owned 2 mortgage companies for 13 years. I was only to have this note with a principal and interest payment of {$430.00}, I sent new insurance declarations page to replace what they were computing orginally. The new insurance with XXXX XXXX was only XXXX monthly and taxes around {$140.00} with all this added the note should have only been {$690.00} to {$700.00} per month. I provided Social Security Awards Letter of {$1400.00} per month and two years S/E income should be averaging {$350.00} per month making a total income {$1800.00} making an overall debt to income ratio of .39 %. I do not know because of non-disclosure what they were using in the final numbers. I only know I should not have been denied based on DTI. I repeatedly asked someone to call me before declination notice because the LO emailed a sentence that underwriting stating possibly denying me based on income. I was even told with tax return Social Security is grossed up by this Lender. I even went as far as to amend my XXXX taxes, which I provided to my LO adding additional income that wasn't originally filed making my DTI even less. I do not know what to do, I have never been treated with such " I don't matter '' and disrespect. I financed homes for over 20 years and my customers never went through this, they were never unaware of the process and was called back and if problems were occurring, my company would have enough consideration to disclose and work with them, especially when I have paid money upfront and given false hope.
Consumer complaint received 2021-09-09
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: SYNCHRONY FINANCIAL (WA)

I had some charges on my credit card they were not mine I brought to the attention of the hotel they werent very nice and were not willing to do anything so I called the credit card company and made a dispute turns out they reported negatively to XXXX XXXX and XXXX And my credit dropped XXXX points and I learned just recently theyre not supposed to do that having a dispute does not affect your credit but it did the bill wasnt even in yet this is all within one week and I brought to the attention of the credit card XXXX and they said they pass the buck basically then I called the credit reporting are the credit agencies and they pass the buck back to the credit card company so nobodys willing to admit this or fix it like I said I learned that it was wrong for my credit to drop as a result of this so this sounds like a pretty big complaint I was getting ready to buy something and now I cant that is wrong and that Sounds illegal and I want this investigated I want some answers finally from somebody
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

We set up auto pay for Bank of America Alaska Mileage Plan and we set it up to pay on the XXXX of each month it is not due until the XXXX, we gave enough time for the bank to get the money, YET EVERY MONTH THEY CHARGE US {$38.00} in talking to other Alaskans who have been duped into getting the Alaskan Mileage accounts, they all suffer too. We never can use the alleged 30 % coupons because when you do, its 4 times higher to try to use the coupon. Third, the " companion fare '' is a joke, if you don't log in and attempt to book a ticket it is around {$220.00} but when you attempt to use the " companion fare '' it is 3 to 4 times higher. no kidding! How is this type of practice legal? Please help me at least reverse these {$38.00} charges, see attached auto payment proof that we set it up for many days before it is due, besides why would a company charge {$38.00} if someone is a day late? what is the postal service is delaying someone's mail, is that yet another excuse for bank of america to gauge the general public for {$38.00}? How does a consumer protect themselves against this type of fraud and robbery.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, i purchased what i believed were plain, non marked jackets from a seller on XXXX. The package i received contained all marked, counterfeit XXXX XXXX XXXX. On XX/XX/XXXX or XXXX, i called Chase to file a chargeback for Counterfeit Item. Today on XX/XX/XXXX, i am notified by chase that the operator i spoke to filed the dispute as Incorrect amount, and that the evidence of counterfeit items i submitted meant nothing when they asked for more info on XX/XX/XXXX and now i am rebilled the disputed amount. I have been punished for the Chase customer service representatives mistake in filing the wrong dispute reason. If there is recording of calls like the automation says before a chase call, you will hear me specifically tell the operator this is for a counterfeit claim and they even repeat back to me that they understand i am filing the dispute for counterfeit items. They then proceed to file it for incorrect amount charged. I am not expecting this when they ask me for more information, so i submit the requested evidence which i believe they are asking for which is evidence of counterfeit. They are now telling me i can not re open this dispute and this is absurd and i have been robbed over a customer service agents stupid mistake.
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NPS GROUP (TX)

This agency contacted 3rd parties my brother in law father, who I have no relationship with or talk to at all, Not even sure how they got to him. I contacted the agency on X/XX/17 to advise not to contact anyone other than myself and asked that they remove from contacting anyone but me, they stated they did not have to do that. I advised they are required by law based on the Fair Debt Collection Practices law, which he said that piece of legislation does not apply to them. He ( XXXX ) became very rude and I told him that he needed to do what I asked. He just kept talking and I told him I would be filing a complaint as I had done research on the company and they had a reputation for illegal practices. He then hung up on me.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (MN)

I am receiving a debt from a previous company before me. I have no idea about this debt. I would like to please dispute and or get rid of all the debt from here if possible please and thank you. 
Let me know what you need as far as more information
Consumer complaint received 2021-09-09
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. (TX)

Recently, I leased a car from XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX to my surprise it showed a lower score than what I recently received from my bank. I was told the car was going to be financed by XXXX XXXX  which was not so. I gave XXXX XXXX permission to run my credit through XXXX XXXX once however, the dealership placed two hard inquiries on TransUnion and XXXX without any information under XXXX XXXX. 

Furthermore, the score their system came back with was lower than what I recently obtained from XXXX and that resulted in me paying a higher rate than what the car lease payment should have been. I called the dealership and left two voicemail messages for the finance department to get an explanation why two inquiries were placed on my credit report no one returned my call.
Consumer complaint received 2018-01-19
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. (GA)

MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
Consumer complaint received 2018-02-01
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. (PA)

Greetings, Greetings, I have initiated disputes with XXXX  and Trans Union to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and Trans Union will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX  and Trans Union to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XXXX. Below are the reported late months that should be updated on my XXXX  and Trans Union credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2017-07-27
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: BARCLAYS BANK DELAWARE (MI)

I previously notified Barclay Bank that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove all the unauthorized charges from my already opened accounts? Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and my already opened accounts were used without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened my account online and made a deposit of {$12000.00} into my account on XX/XX/year>. On the receipt stated that there would be a hold on my account until XX/XX/year> since it was a new account. A week later I received XXXX separate letters dated XX/XX/XXXX. XXXX stating that my account was closed due to fraud. One letter was from the card fraud division. However, I never received a debit card, and the only transaction that was made on the account was that deposit. One of the letters stated that I could go into a branch with two forms of ID if I felt that the closure was made in error. Every single check that was deposited was made payable to my business, and they were issued from several different insurance companies for services that were rendered to patients. On XX/XX/year> I visited a branch to figure out what was going on and the person helping me could not figure out why my account was closed nor the person that she called. I was informed that one of the checks I deposited in the amount of {$150.00}, had a stop payment put on it. Which is a circumstance beyond my control. I visited another branch on XX/XX/XXXX, the date after my funds were cleared, and the branch representative told me the new accounts department was already closed, and to come back again on Monday XX/XX/year>. I visited that same branch on XX/XX/year>. The branch representative called the new checkin account department and was told that they will not release the funds unless I prove that each check deposited actually belongs to me. Every single Item deposited was made payable to my business. There should be no need to provide any additional information when the checks have already cleared and was written out my business.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

Another collection company XXXX XXXX XXXX XXXX sent me a notice in XXXX about a bill from XXXX XXXX XXXX. I sent them a letter requesting verification of the debt and the contract that was valid for the account they were attempting to collect on. I never received any further communication from the company. Yesterday, I look on my credit and there is a collection from SW Credit Systems LP for the same alleged account. I have not received any communication from them and as it stands, I am sure the same way the other company was unable to verify the debt, they are not able to verify either.
Consumer complaint received 2017-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am having problems with Midland Funding LLC reporting a debt on my consumer credit report stating I owe {$640.00}. I have never had an account with the company they say the debt is from ( XXXX XXXX XXXX ). I have attempted to resolve this matter via certified letter in XXXX 2016, XXXX 2016 and XXXX 2016. I  have requested proof of ownership of this debt ( such as a signature on an application, proof of payment from my bank account, etc. ) The company has yet to provide this information and has only sent me a old statement showing it was written off by the original company. This is not my account and the company refuses to provide me with valid proof of the debt.