davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (PA)

In XXXX of 2017 XXXX XXXX University granted my request for tuition adjustment based on personal and health matters for the previous two semesters. ( Supporting Documentation will be attached ) I was told that the tuition for the two semesters would be credited to my account and i would however still owe whatever fees were accessed. XXXX XXXX ended up only crediting my account for one of the semesters and began sending me bills for the other semester. I spent hours on the phone with the bursar office who eventually told me they could not adjust my tuition and it needed to be paid in full. According to " XXXX '' from the Business office they were having trouble figuring out my files because they converted systems. XXXX XXXX then sent my bill to collections with Eastern Revenue INC. I explained to them my situation and scanned them my supporting documents. They contacted XXXX and were told I have to call to straighten it out. I did so and spoke with a gentleman by the name of XXXX again on XXXX at XXXX, who ultimately only apologized and said there is nothing he can do. Throughout the past two years I have sent them the letters and emails showing my grant for tuition reimbursement and nothing has been done.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (IL)

I've applied for a XXXX XXXX American Express card and my company has over {$1.00} million in annual revenues and my annual income is over $ XXXX. I've applied twice and both times I've been declined and when I request to see the details related to the declination all I receive is the message below. My applications were over 2 weeks apart so I find it untruthful that their systems have been updating for over 2 weeks. I've tried back after 24, 48 and 72 hours and I still receive the same message so the basically decline my application and do not provide the reason why. 

" We're Sorry Our systems are currently updating ; please check back on this site in 24 hours. Sometimes, clicking on one of the navigational links can resolve the problem. If this doesnt work, please try again later. Or, if you would prefer immediate assistance, you can call us at XXXX ( Mon-Fri XXXX XXXX XXXX 

For card applications, click here for some of most frequently asked questions. 
For American Express XXXX XXXX click here for some of most frequently asked questions. 
For American Express XXXX XXXX, click here for some of most frequently asked questions.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

On XXXX XXXX I went to apply for a house loan and I was declined. They told me that there was a collection account on my credit report. After getting the credit report I saw that Credit MGMT had put a balance of {$1300.00} on my credit. I dont know who this company is and I don't owe them anything.I send out a letter disputing this account and I have been waiting for weeks. I will attach the letter to my file
Consumer complaint received 2020-08-23
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. (MS)

I have report XXXX XXXX ( XXXX ) numerous of times and Experian is the only company who has not removed it from my credit report. It's fraud and don't belong to me. I have report it with the federal bureau of identity theft and mailed them off a report and Experian has failed to remove it from my credit report. XXXX and XXXX have removed it from my credit report and its causing me a hardship with purchasing a home.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inquiries and account listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these items continues to be sent around and affecting my credit. The credit bureaus didn't do anything to correct the items listed below : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-14
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. (NJ)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Since XX/XX/2020, I've been mailing a personal statement to Experian at the address on their investigation report as required and ensured that my statement was under 200 characters. Every time, I mail in a consumer statement they do not add the statement to my credit report they simply reinvestigate the item and arrive at the same results. Today, I called into Experian and was finally able to speak to a representative who transferred me to another representative who said she had to " type '' my customer statement for me. She then stated that she couldn't say " type '' what I wanted on my statement. As this is my statement and it didn't contain any PII she should have typed my statement as I read it and applied it to my credit report. I should actually be able to add my OWN personal statement to MY credit report without intervention from anyone else. Today, I see again that a new investigation has been submitted and the statement is still not on my credit report. I'm so tired of the games with Experian & XXXX. What hoops do I need to jump through as a consumer to have a personal statement added to my account? Why is taking several months to have a statement added? Why am I not able to write my own personal statement? This is my 5th request to have one statement added.
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (CA)

I pulled my credit reports on  XXXX   XXXX ,  2017  because I was trying to obtain a mortgage. Then I noticed it stated that I had a collection fro m Credit Management f or  XXXX . This was news to me. I disputed it with the credit bureau because I have filed complaints with  XXXX  before and provided documentation. Further, I contacted Credit Management and although they had a collection for a  XXXX   XXXX , they did not have  one  for a  XXXX   XXXX  with a matching social security number. Therefore, I 'm sure why it 's on my credit. The credit bureau conducted it supposed investigation and left it on my credit as verified. I 'm confused because they have no record for a matching social security number.
Consumer complaint received 2018-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2018, my son needed to find a temporary apartment in XXXX XXXX, since his apartment wasn't available. He found a site XXXX that listed sub lease apartments. He corresponded with XXXX XXXX, property manager of XXXX XXXX and signed a lease agreement on XX/XX/2018. He was instructed to wire the rental charge, {$4000.00}, from his bank Bank of America account to the property manager 's account at XXXX XXXX Account. When he arrived in XXXX XXXX, there was no such apartment and XXXX didn't return his calls. The funds were draw on an account my son, XXXX XXXX, and myself own. I had contacted Bank of America and requested a wire recall. The bank recalled the wirer. XXXX XXXX has frozen the funds and have them ready to send back to me. However, they are requesting a " hold harmless '' letter from Bank of America. Bank of America is refusing to send the letter. I have offered to sign the letter and take full legal responsibility, but Bank of America continues to refuse to do anything. They call me a preferred customer, but they are unwilling to help me get my funds back. They told me the funds will end up going to the State. I have filed a complaint with the FBI Internet Crime Complaint Center, but have not heard from them. I have been working with Detective XXXX XXXX from the XXXX Police Department, report # XXXX. He is the only one who has been proactive and trying to help me out. Bank of America is not willing to do anything. XXXX XXXX going to the district attorney to find out how we can file a request to get the money back. Bank of America will not even let me talk to any manager or get any support from them. I contacted other banks and it is standard to accompany a wire recall with a " hold harmless '' document.
Consumer complaint received 2018-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I tried to buy 2 VIP tickets to XXXX XXXX from a person who called themselves XXXX. It is unclear now whether or not that was his real name. I contacted him by phone at the number XXXX ( XXXX XXXX XXXX. We spoke on the phone and agreed that I would pay {$170.00} as a deposit before I collected the tickets, and {$170.00} after I collected the tickets. When I went to pay him the 2nd amount, he told me that because the amount was the same and done 2 times in a row, his bank, XXXX XXXX XXXXXXXX, had flagged the transaction as fraud and that I would be refunded within 1-2 business days. These transactions occurred near XXXX on Thursday XX/XX/XXXX. I called my bank, Chase, to confirm that he was correct and they told me that the 2nd payment was " pending '' but that it had gone through on their end. I assumed this meant that XXXX XXXX XXXX had indeed marked the charge as fraudulent. I sent him a new amount of {$170.00}, which fulfilled our agreed upon amount of {$350.00}. In reality, all {$520.00} was subtracted from my Chase account and processed/delivered to his XXXX XXXX XXXX account. I used a service called " XXXX XXXX '' to conduct the electronic transfers between bank accounts and he provided me with an e-mail address that he uses on his end for the service. That e-mail is XXXX. Both Chase and XXXX have told me that their fraud departments can not do anything to reverse the transactions, and of course, this " XXXX '' is nowhere to be found for comment as he did not deliver the tickets as promised, and ALL 3 transactions went through. In the end no tickets, loss of {$520.00}, and 3 entities ( XXXX XXXX XXXXXXXX, chase, & XXXX ) all telling me they can not help me.
Consumer complaint received 2020-05-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I have a VA Loan with Loan Depot. I set up autopay with them since XXXX. Every XXXX of the month they De it my checking acct at XXXX XXXX XXXX. XX/XX/2020, XX/XX/2020 went fine. Without telling me they shut off my autopay and never told me my payments were not paid for XX/XX/2020 and XX/XX/2020. Since then I discovered the problem on my own and had them Debit the same XXXX XXXX XXXX acct for both past due payments. They then reported me to the Credit Agencies and now want Late Fees and are threatening me with Foreclosure.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have 5 credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my credit score. I have disputed them twice and they refuse to correct the info.
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Credit Card by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Credit Card placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca XXXX.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I pulled my credit report and saw inquiry on my report that I had question about I sent the letter to credit bureau to validate or please remove if they can not provide proof to please remove they said they can not dispute or remove that it can not be done I told them due to fair reporting credit act section 1681 that if the can not validate it has to be remove they told me that it was not possible to remove I talk to the supervisor but did not want to help
Consumer complaint received 2021-03-03
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. (CA)

XXXX, Transunion and XXXX removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX Auto Loan, XXXX XXXX XXXX XXXX XXXX, XXXX Credit Card by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Credit Card placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca XXXX.
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (IL)

I received a notification from XXXX XXXX advising that a collection had been added to my account. There was no phone number or any other contact information listed. I XXXX the company name and was advised that they were attempting to collect a debt on behalf of XXXX. I advised them that I have not received cash assistance in over 20 years. I also advised them that I had never received any correspondence from them regarding the debt. And if I did owe any debt that Id filed a bankruptcy so all collection activity shouldve ceased. It is illegal to report an account for a second time to any credit bureau after the 7 year term. This account was placed back on my credit by this collection agency fraudulently. They reported this as new debt as of XX/XX/2020 but verified over the phone that it was more than 10 years old. They have reported false information to all 3 credit bureaus as if this is a new debt. This is considered Re-aging debt and this is illegal in the state of Illinois!
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

XX/XX/XXXX WELLS FARGO DEALER SERVICES REPORTED TO ALL THREE CREDIT REPORTING AGENCYS THAT MY PAYMENT WAS LATE. WHEN I SPOKE TO THEM THEY SAID IT WAS A MISPLACED PAYMENT AND I HAD TO REISSUE THE MONEY. I REISSUED IT AND WAS LATER CONTACTED THAT THEY HAD FOUND IT AND WOULD FIX THE CORRECTION BECAUSE I WAS NOT RESPONSIBLE FOR THEIR MISTAKE XX/XX/XXXX I TRADED MY CAR IN TO XXXX. XXXX PAID OFF THE LOAN TO WELLS FARGO DEALER SERVICES. THE LOAN WAS CLOSED OUT AND THEY REPORTED LATE REMARKS ON MY CREDIT WHEN I WAS NO LONGER RESPONSIBLE. 

I RECENTLY CALLED IN TO QUESTION THEM AND ASK THEM TO REMOVE THE NEGATIVE INFORMATION BECAUSE IT WAS INCORRECT. THE SUPERVISOR AT WFDS TOLD ME THAT THEY ARE NOT GOING TO MAKE ANY CHANGES AND I CAN CONTACT THE CREDIT BUREARUS AND IF I FEEL LIKE THIS IS SERIOUS ENOUGH I CAN HIRE A LAWYER. 

I JUST WANTED THE INACCURACIES FIXED BECAUSE I HAVE NEVER BEEN LATE ON ANY CAR PAYMENT EVER. AND FOR ME TO SUFFER BECAUSE OF THE FALSE INFORMATION REPORTED IS WRONG. 
WELLS FARGO IS WELL KNOWN FOR DOING FRAUDLENT THINGS AND I DONT THINK IT IS RIGHT THAT CUSTOMERS HAVE TO SUFFER BECAUSE OF IT.
Consumer complaint received 2022-08-05
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-07-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

In XXXX of 2021 my mother, my father, my husband, my brother all recieved calls that I had a warrant out for my arrest for a crime and I was to call this number back or they would immediatly come to get me from my home. I attempted to contact and the person I spoke with was so irate I could not understand them. They continuesly call my family and say the same thing.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In 2016 I applied for a Capital One Saks Mastercard. I was advised that the product was going through a change. As such, I was approved for a Saks store brand card by Capital One until the product change was completed. I was advised that I would be upgraded to the Mastercard in which I originally applied. Capital One has now indicated that I would need to cancel the existing Saks store brand card it approved and re-apply for the Saks Mastercard. Not only does this contradict the bank 's initial disclosures upon acceptance of the Saks store brand card, re-application for the Mastercard in store is not only impossible given our current climate but it would involve a new inquiry on my credit.