davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (MD)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Consumer Collection Management. Inc (MO)

I had an arrangement with XXXX XXXX to make payment arrangements of {$25.00} bi weekly. I gave the gentleman my personal account information to where XXXX could take it out of my account, then weeks later I started receiving calls from collection agency I ask XXXX to not to contact me I worked arrangements out with the Hospital and she continue to call. I
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

This is my second complaint for an ongoing issue. My first complaint # XXXX has not been settled. I declared bankruptcy in XX/XX/XXXX. My case was closed in XXXX of XXXX. Caliber Home Loans still refuses to lift the hold on my account. I have no access to my account. No statements or online access. I pay an amoumt every month not knowing if it is correct ir not. They have blatantly disregarded correspondence from my lawyer stating that they are in violation on the NY State bankruptcy codes. How do they get away with this????? I never missed a payment in 8 years. The only way I can pay them is through my bank 's bill pay option or I can pay on the phone for a XXXX dollar fee. This is my home!!! They keep saying that an abandonment of property was never filed. The NY State trustee on my case informed them that no such document is required once the case is closed. Yet they refuse to grant me access to my account. I have not seen a statement since XXXX of XXXX. I am beyond XXXX about this. On top if this my mither passed away in XXXX of XXXX and they are still sending tax documents in her name and sicial security number. They were sent her death certificate a year ago and I have called XXXX other times about it. How can a company get away with this.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, has violated my rights. 

15 U. S. C 1681 SECTION 602 A state 's I have the right to privacy.

15 U. S. C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (MS)

Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.
Consumer complaint received 2021-09-10
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: AMERICAN EXPRESS COMPANY (CA)

Name : XXXX XXXX Last 4 SS : XXXX Creditor : American Express Credit Bureau : XXXX On Saturday XX/XX/2021, I called American Express to inquire whether requesting a credit line increase would result in a hard pull on my credit report. I was advised it would not. I then used American Express 's online portal to submit a credit line increase. The system gave me an error, so I called American Express again, and they submitted it on their end. I was advised the system was having an error, and I should try again in a few hours. I was told no request had been submitted, and there would be no negative impact on my account or credit. I tried again that evening and received the same error. 

On Tuesday XX/XX/2021, I received seven emails from American Express ( all with different reference numbers ) informing me that a " We've made a decision regarding your request. '' I contacted American Express, was told that the requests went through, only one had been considered, there was no hard inquiry, and the result of the request would be mailed to me. 

On Thursday XX/XX/2021, I received an email from XXXX XXXX informing me that there had been a hard inquiry on my account on XX/XX/2021. I immediately contacted American Express, who informed me they had no record of a hard inquiry. The next day, XX/XX/2021, I contacted XXXX, who informed I needed to contact American Express to obtain a removal letter. Once I contacted American Express, I was triaged to a team that informed me that their system " had a glitch '' on Saturday XX/XX/2021, that multiple ( 7 ) requests were submitted under my name, only one was ultimately considered, and they had pulled from my XXXX account. This doesn't align with the information provided to me because American Express already informed me on Tuesday XX/XX/2021 that they had reached a decision. Thus, there was no open application on XX/XX/2021. In addition, American Express representatives had guaranteed that there would be no hard inquiry on my credit.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (IN)

XXXX XXXX card issued by Comerica Bank. 

XXXX XXXX XXXX through XXXX XXXX this year XXXX. 

XXXX XXXX card, which I have for my XXXX benefits, withdrew nearly XXXX from my card for " debit adjustment '' without notice and with no reason stated on my online statement. I 've spoken to them and the explanation was so convoluted that the only clarity is that " XXXX had a glitch '' and did n't take out charges when made so is now adjusting them by going back through at least XXXX and withdrawing funds. 
Issues : Failure to catch and correct their error in a timely manner Failure yet to notify consumers impacted Failure to offer explanation Then recouping by withdrawing money from XXXX XXXX customers cards. This is in direct contempt of their own policy that states they will not let a charge go through if the funds are n't there. Therefore I had a false sense of security based on their own promise. I imagine lots a people do n't know yet.
Remedy expected : refund the funds withdrawn to their card holders
Consumer complaint received 2017-11-21
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. (CA)

I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days
Consumer complaint received 2021-07-06
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: The CMI Group, Inc. (OH)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A XXXX XXXX XXXX mortgage account XXXX XXXX XXXX XXXX was paid in full. This established account should be accounted for in my history. But, Transunion and XXXX are NOT including this account in my history but rather is reflecting my credit as NEW and as a result is causing my scores to be lower. If it was derogatory, it would be included!!!!
Consumer complaint received 2018-03-19
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX
Consumer complaint received 2018-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

I contacted XXXX XXXX XXXX on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.
Consumer complaint received 2017-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services (MD)

XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. 

XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. 

Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. 
I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. 

I received a notice from their attorney a few months later during me for non payment. 
I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. 

However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. 

My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me.
Landmark is in breach of the contract I signed with their company and the attorney.
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I post sublet for someone to stay in my place. One woman named XXXX XXXX wants to stay in my apartment. She supposed to send XXXX  but She sent extra XXXX on her check. She said I need to give the rest money to the delivery guy who will send a rent car to my place for her. I deposit money in my bank, Bank of America. I transfer the extra XXXX to the delivery guy she asked through XXXX, the online money transfer. Once the money has been transferred, she cancel the check from her bank. So now I have XXXX minus on my bank because the money I sent has been processed but the money I got from check had been canceled. And XXXX does not answer or reply my messages anymore that the check has been canceled.

I called BOA right away, but they said they can not cancel the XXXX transaction because the money is already transferred to them. If they " can cancel '' the check that BOA already " approved '' and I already " got '', they " should cancel '' the XXXX  transection that could be done by the check that BOA approved!

the information about where I sent {$3000.00} by her request : XXXX   Name : XXXX XXXX She asked me to sent the last {$1000.00} to someone else through XXXX XXXX  or XXXX XXXX, because it was not processing.

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX her information is Name : XXXX XXXX email : XXXX   phone : XXXX XXXX XXXX The check I got from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN , XXXX XXXX XXXX XXXX XXXX  MN, XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXXXXXX 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 2017-11-27
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. (FL)

There are two accounts one is XXXX and the other is XXXX XXXX. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
XXXX XXXX XXXX Revolving XXXX/XXXX  XXXX
Consumer complaint received 2021-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (CA)

Over 20 years ago, a brokerage account was opened with XXXX and securities were purchased. The account has been active, but no trades have occurred over the years. Statements were mailed out each month and in XXXX we realized that trades were made and funds were depleted from the account and transferred out. These transactions occurred in the XXXX timeframe. XXXX was contacted and an investigation was opened, but they claim that funds were transferred to an account at RobinHood ( another financial institution ) in my name. I do not have an account with RobinHood and didn't make any transactions in my XXXX account. I have been very cooperative with XXXX and they just keep telling me that they do not suspect fraud on the account as RobinHood is telling them that funds were transferred to an account in my name. Over all the phone conversations, XXXX doesn't document anything in writing to me. At one point they said " Oh, they knew the right amount to transfer as this falls below the threshold of where this gets flagged. '' I don't even have online access to the account and have never logged into my account and made any transactions. I would like the funds replenished in my XXXX account as they have Fraud protection and clearly state that they will honor any fraud activity. I didn't log into the account, didn't sell any securities and most certainly didn't transfer funds to RobinHood. I do not have an account with RobinHood. How can XXXX perform a thorough investigation and determine that there is no fraud when there clearly is fraud?
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

CBE Group is reporting a debt on my credit file that must be removed. I have been disputing this account and have sent several letters asking for validation. I have attached the letter I most recently sent. Please remove this from my file as you have exceeded the 30 day period and I have received no response.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NV)

There are two companies trying to collect and report on my credit file for an XXXX XXXX XXXX bill which is unknown and I do not owe XXXX XXXX XXXX. Requesting removal I have disputed and nothing received for any type of validation. Please help this is n't right
Consumer complaint received 2017-11-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

I took this loan out in an emergency basis for XXXX. I have been making payment of XXXX every two weeks since XXXX. I have paid them XXXX back and I am struggling to pay the rest. I called to see if I could try to pay early and negotiate a price and they stated if I 'd like to pay off early it would be XXXX. That 's still more than I initially borrowed plus the XXXX I 've already paid them. I can no longer pay my bills with almost XXXX going to them. I 'm desperate for help with this predatory lender.
Consumer complaint received 2021-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been disputing these accounts since last year so this is the reason for the complaint. The account is inaccurate but its still reporting on my credit report.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (FL)

I have updated my personal information with XXXX the Credit Bureau constantly to make sure that if there is any debt in my name I am notified in a timely fashion. After paying for a membership to continuously monitor all activity in my credit reporting, I am seeing a company by the name of XXXX XXXX who is reporting a Medical account in Collections. The total amount is {$220.00}. I have XXXX XXXX XXXX XXXX and I also have XXXX XXXX as insurance companies. I am not aware of any service that I was treated for and resulted in a debt to any medical facility. I have not received any mail concerning this account or a phone call from the collections company who currently has the debt. The collections company is SYNERPRISE CONSULTIN XXXX XXXX XXXX, KS XXXX. I have tried to contact both companies so I can receive a letter of validation concerning the debt. I have had no luck in doing so. I am requesting proper notification as this account is now reporting as 2 years and 2 months old but it is the first time I have ever seen it in my credit history. Needless to say it is negatively affecting my credit worthiness as XXXX XXXX continues to report this debt. A debt that I have not been notified about.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

Chase is in violation of Public Law 111-24 : it refuses to deliver my credit card statement at all, let alone on a timely basis. 
This is a follow up to my CFPB complaint submitted XX/XX/XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem when making payments. 
The issue has not been resolved. Company says it is " still working on it as of XX/XX/XXXX '' but the solution is simple : TAKE DOWN THE FIREWALL THAT PREVENTS ME FROM SEEING MY STATEMENTS ... i.e.  Chase is requiring that I provide additional " payment '' ( which has monetary value to them XXXX in order to sign in to my online-only access account. They want me to sign over the rights to paper statements on my other Chase accounts. 

I still can not see, now, 2 months of my transactions, and I am unable to ascertain if any fraudulent payments have been made by Chase to vendors. 

Chase is in violation of Public Law 111-24 is the Credit Card Accountability Responsibility and Disclosure Act of 2009. This law requires that " statements must be mailed or delivered to the consumer at least 21 days before the due date. '' CHASE REFUSES to give me my credit card statement or bill, which also limits my ability to exercise other rights under this law.