davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (AR)

I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.
Consumer complaint received 2021-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have filed 2 previous complaints on the same problem with Bank of America : STATUS 'Company responded on XX/XX/XXXX  The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint '. 

The Company did NOT send a response to me. And, I'm not calling them. They scare me and that's why I filed with CFPB. I need help. I don't want to talk with them besides my having hearing difficulties. Right now Bank of America is charging me interest on this contested XXXX amount. They're bullying me .... 

I closed that account with BOA and opened up a new debit card with my bank. In 2 months time I spent XXXX on the new card. I'm spending about XXXX a month.
Consumer complaint received 2021-10-19
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. (OH)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.
Consumer complaint received 2021-10-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 FED LOAN SERV-XXXX-Balance XXXX XXXX-Date opened XX/XX/2009 XXXX
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent money to XXXX through Money Gram and they told me they had a technical issue and refused to give me my money back. I sent the money on XXXX and they keep telling me that its a technical issue and it will be resolved in 2 days. Today is XX/XX/11 and there is no end in sight. Money Gram refuses to give me my money back.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have been sending out disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX  since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.
Consumer complaint received 2020-11-30
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: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX, 2020 I requested to Wells Fargo to remove from my credit report. On XXXX 2020 I received their responded. On the letter, they asking the consumer reporting agencies to update their records to show the credit inquiry as a soft inquiry. Its has been two months since then and Hurt Inquiry still on my credit report.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2020-12-01
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: Bread Financial Holdings, Inc. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, COMENITYBANK/XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2019-11-12
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (SC)

Discover card amount {$7000.00} I was authorized user of my ex wife account and I called and had it removed but the balance is showing under my credit report but its not in my name or social they told me to contact XXXX to have it removed.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Recently, a collection agency named Credence started reporting a {$9000.00} collection account on my credit report. I have no outstanding balance owed to anyone that equals that amount, so I wrote to Credence Resource Management on XX/XX/XXXX, and asked them to remove the error from my report. I also asked, if they beleived the debt was legitimate, to send me a detailed itemization from the original creditor, to verify the debt. Well over 30 days have passed, and this collection agency has done neither.
Consumer complaint received 2019-11-12
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (OH)

On XX/XX/2021, challenged on the validity of a LATE PAYMENT on my credit report per XXXX for Account # XXXX POSSIBLE FINANCE INC. My account was Paid in Full on XX/XX/2021 for amount of XXXX rather than utilizing Installment option XXXX option. Upon, challenging this account, I contact XXXX ( Possible Finance Inc. Manager ) and requested a deletion of inaccurate 30 day late payment for XXXX and XXXX based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX And POSSIBLE FINANCE INC with written request. XXXX then indeed state that POSSIBLE FINANCE INC. shouldnt have verified any late reported payment on XX/XX/2021. XXXX said she would follow-up to correct their error, however no contact was initiated. It is my understanding that all creditor are to report the all ACCURATE INFORMATION to all credit bureaus as expected under FCRA Laws, I believe this is a direct violation of my consumer rights and My account to be properly updated ; requesting ALL LATE PAYMENTs to be DELETED from ALL 3 credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
Consumer complaint received 2021-04-10
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. (CA)

i have a letter sign by a judge stating that these Bankruptcies were filed in error. How can XXXX, XXXX and Transunion suppossibly had verified this?? I have the proof that this account does not belong to me.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been sending out disputes to each one of the credit bureaus : Transunion, XXXX, and XXXX  since XXXX and they have yet to respond to any of my disputes or provide any results. I have done my research and they are still supposed to be providing results despite of the pandemic. Legally they have 30 to 45 days to respond so why has it been over 5 months and still no response to any of my disputes? I need erroneous items removed from my credit file and you are required to respond to me.
Consumer complaint received 2017-12-14
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: AMERICAN EXPRESS COMPANY (CA)

On the reply of my previous complaint XXXX, American Express said they issued XXXX starpoints to my account on XXXX XXXX, XXXX. However, I didnt receive it. American Express simply treated the officers of CFPB as XXXX, and thought that they can just XXXX that they already gave me what I should get, but actually they didnt.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (WV)

I have a Mortgage through First Home Mortgage @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX ). I am trying to remortgage through XXXX. On XX/XX/21 @ XXXX ( EST ) I called First Home Mortgage ( FHM ) to request a Mortgage Statement-spoke w/ XXXX-put on hold for ~10minutes and I hung up. XX/XX/21 XXXX I called back to FHM and reached XXXX and he agreed to fax a Mortgage Statement that he said they have 3 days to fax. A Mortgage Statement did no arrive. On XX/XX/21 at XXXX I called back to FHM and reached XXXX who told me that they are not by federal law permitted to fax a Mortgage Statement but she would request one be mailed to me. ( Since I locked in an interest rate with XXXX ). Just to be sure it was mailed-I called back XX/XX/1921 XXXX and reached XXXX and explained the situation-a Mortgage Statement was not mailed, I asked to speak to a manager and was transferred to XXXX it was XXXX when XXXX picked up the phone. XXXX said a Mortgage Statement can be mailed or faxed-I requested both mail and fax and asked if she could fax at that time-again told they have 3 days. I still have not received a Mortgage Statement.. I even told XXXX that I was going to report them. I tried to sign into web page and can't get in. I have a coupon book and do not receive a Mortgage Statement. All I need is a Mortgage Statement. Thank you for any assistance.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the Equifax breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with them they finally DISPUTED them but after receiving the results they were not deleted! I called them back and they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!
Consumer complaint received 2017-12-14
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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/17 XXXX XXXX gave a XXXX American Express Credit Card Deposit to XXXX XXXX for a job located XXXX XXXX XXXX XXXX, MA, Before XXXX XXXX started the job or send me a contract to sign i cancelled the job with a phone call and a email, after i disputed the credit card charge with American Express for the full amount of XXXX dollars XXXX XXXX response with the merchants that the payment was made for on going projects, American Express still refuses to refund me the XXXX even after i sent them a sign receipt that clearly stated XXXX XXXX XXXX XXXX , MA Down Payment '', a signed letter from the homeowner at the address that no work was performed and copy of a charter law in Pennsylvania that state No Home Improvement work is bidding without a signed contract by both parties, i am lost and need help to get this fraudulent credit card charge off my bill
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (AL)

Truist bank sent me a checking account promotion with up to {$400.00} bonus. 

I am interested and applied online, the application was declined without an explanation. 
I have perfect credit score, I have a job, and own a home. So I went to the branch to open the account, they rejected me 5 times at the branch, 1st time : I was rejected because I didnt bring in XXXX card. 
2nd time : I was rejected because I didnt bring my passport 3rd time : I was asked to come back next day, because it was XXXX, they dont have time. 
4th time : I was rejected because I didnt bring in the promotion letter, which has the code 5th time : I was rejected because although I have drivers license, XXXX card, and passport, but my name is different from the name on the letter, even though the address is the same, even after I told them the name was wrong, nobody live in that address has that name. 

I think Truist bank sent me a deceptive promotion, they dont have any intention to follow through the offer for me, even after I exhausted everything I can do. I also suspect they discriminate me on race and country of origin. All 4 trips I went to their branch, they were cold and unfriendly. The experience is humiliating, the banker met me on XXXX XXXX disrespect me. 

The branch location is, XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Recovery Management Solutions LLC (NY)

XXXX from prelegal office for covering management solution has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.
Consumer complaint received 2021-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

Dear Sir / Ma'am : My loans were with XXXX after I earned my XXXX degree in XXXX. 

In XXXX, I joined XXXX full time. 

I began work toward my XXXX XXXX XXXX in XXXX. 

The XXXX program was inaugurated in XXXX, during which time, XXXX sold me to XXXX without my consent. I was in deferral for 2 years while attending XXXX XXXX between XXXX - XXXX. 

In XXXX, I graduated with my XXXX degree and went back into repayment shortly thereafter. 

For the 8 years that followed, XXXX obstructed my effort to move my loans to FedLoans, while collecting {$42000.00} in loan payments. 

I was able to move my loans to FedLoans in XXXX, with 11 years of XXXX service or 16 years including military service at the time. 

I spoke to a level II CSR at FedLoans in XX/XX/XXXX, and XXXX there, said my payments to XXXX satisfied the ( TE ) PSLF requirement and that my loans would be forgiven. He said to check back in XXXX. 

I followed up on that XXXX conversation in XX/XX/XXXX, and a different XXXX made me feel like a commodity -- 8 years and {$42000.00} truncated over a technicality, when I had been in federal service all during that time. 

As of this moment, I have 16 years with XXXX ( 21 years total federal service ) and have been paying on school loans since XXXX. I've been in repayment for my XXXX XXXX since XXXX which totals 13 years. 

I find it unbearably unethical that XXXX took {$42000.00} from me over an 8-year period ; that my loans have not been forgiven under XXXX and XXXX intends to sell me to yet a 4th loan servicer while my principle sits unmoved at {$55000.00}. 

Is there a way to inject justice into this equation? The damage inflicted upon me, my family and my future is indescribable. 


Please help, and sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Ref account number XXXX XXXX XXXX. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late XXXX and XXXX XXXX 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. Equifax continues to publish this report, with zero effective investigation.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account and address reporting I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2017-12-14
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: MOHELA (AR)

I have disputed Mohela on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for XXXX companies to be reporting the same account XXXX as closed the other as an open account.