davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (PA)

I recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to XXXX, XXXX  and Experian. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another XXXX days to receive no response because the FCRA clearly states it is LAW to have resolution within a XXXX day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

XXXX XXXX XXXX, herein known as " Consumer ''. Convergent Outsourcing IncXXXX are herein known as " third party junk debt buyer ''. On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar.Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098,223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & SuretyCo., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, equifax, and XXXX  refuse to send my free credit report.
Consumer complaint received 2019-06-06
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. (OH)

These account below do not belong to me and they are reporting to all three credit bureaus XXXX XXXX # XXXX {$470.00} XXXX # XXXX {$220.00} XXXX # XXXX {$220.00}
Consumer complaint received 2020-09-08
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. (NJ)

We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (WA)

DIVERSIFIED CONSULTANTS in XXXX, FL contacted me about {$58.00}. XXXX could not prove that I was informed of a {$100.00} early cancel fee. XXXX kept {$42.00} overpayment on the account then DIVERSIFIED CONSULTANTS accepted my {$58.00} payment to them based on an understanding that it was never proven that the money was owed. I am trying to purchase a home and my credit score has gone from the 800 's to the 600 's and I have already paid now {$100.00} I never agreed to. I am being held XXXX when I tried for months to have anyone provide a shread of evidence that the {$58.00} was owing. If there was evidence I would have paid it in the first place. The order was placed by phone and early cancel fee not disclosed. DIVERSIFIED CONSULTANTS needed to provide evidence. This is a bad faith action and a violation of the Fair Debt Collection Practices Act. This is a fraudulent collection of a debt which makes DIVERSIFIED CONSULTANTS liable for damages, attorney fees, and court costs. The {$58.00} was paid in XX/XX/XXXX and I discovered it has not been removed from my credit report XX/XX/XXXX when I started the loan process. I can not afford a higher interest rate of thousands of dollars because of paying {$58.00} I did not owe. On XX/XX/XXXX I sent a certified letter asking for a refund and that DIVERSIFIED CONSULTANTS remove this fraudulent collection of a debt from my credit report.
Consumer complaint received 2019-06-05
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. (NC)

Equifax is reporting duplicate entries of the same account on my credit report for the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This incorrect reporting is harming my credit score.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND SANTANDERS & XXXX FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
SANTANDER CONSUMER USA Account XXXX XXXX Account XXXX
Consumer complaint received 2021-07-12
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. (OK)

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX  and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (OH)

ok, I sent out verification letters for them to never had first energy still stay with my parents, they responded and said they sent something out XX/XX/XXXX I sent a validation letter out on XX/XX/XXXX and have yet to hear anything
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Around XXXX my TransUnion FICO score dropped XXXX points from XXXX to XXXX. The reason given was lack of a non-mortgage loan ( I saved and bought my house, and cars, with cash to avoid interest, and have no need for a loan right now ). I heavily use 5 credit cards, some over XXXX, paying each multiple times per month, and never once in all these years carried a balance forward to the next month. They know this, but somehow, to TransUnion, multiple varying accounts paid multiple times per month is nothing compared to dealing with a single, fixed rate, unchanging, single monthly payment on a loan amount my monthly credit card balances alone would easily exceed, to the extent of suddenly docking my credit score XXXX points. Accordingly, I am led to believe that TransUnion may be gaming the FICO system for the benefit of itself and their bank clients by attacking the credit ratings of banking 's safest customers in an attempt to edge such customers into a safe and profitable loan product for their bank clients. I bring this suspicion to your attention, and that is all. Thank you.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Received a call from XXXX, name of company came up as USAA on my cell phone. Person w/strong foreign accent indicated I had fraudulent charges on my credit card and began to ask if they were accurate. I mentioned they were not correct and then transferred me to the " Fraud Prevention '' department. The next person began asking my questions about my credit card number specifically asking me the number. I hung up and verified w/USAA there were no fraudulent charges that matched their story. About an hr later, they called again and firmly told them to no longer call me.
Consumer complaint received 2022-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, fraudulent account opened, XX/XX/XXXX- {$37000.00} - A fraudulent account was opened in my name at Bank of America. 

XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {$12000.00}.
Consumer complaint received 2017-12-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from XXXX XXXX.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My travels were cancelled by a cruise company due to covid. I paid for this travel XX/XX/2020. The cruise company refunded the credit card I used leaving me with a {$5600.00} credit on my credit card and {$750.00} on another. Since last friday I have been trying to get someone at Bank of America to transfer my money to my checking account with them. No one will act! After about 1.5 hours of playing with their pathetic phone system i contacted the Fraud Department knowing i would reach a live person there, she transferred me to a CSR named XXXX ... .she began to do the transfer and then disconnected on me -- Never called me back! After another 1.5 hours I finally got some guy on the phone " XXXX '' i think, and he said he would do it BUT HE ONLY DID THE {$750.00} and NOT the {$5600.00} even though he was smug about my questioning why i couldn't get confirmation that he did that transfers. Seems i was right knowing that BOA CSR 's are not well trained. Well I am still today waiting for Bank Of America to refund my {$5600.00} to my credit card. I have written to them 4 times ... they sent me a form letter stating " we've been trying to reach you '' which is a LIE. So know bank of america is a liar and thief! They have not reached out, they want me to call and go round and round on their phone system. It is my money, i want it NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Here is the real irony! XXXX XXXX had my flight refund of {$3100.00} on my credit card with them. That same friday morning i called them, got a person on the phone almost immediately. They processed the credit the same day AND THAT AMOUNT WAS CREDITED TO MY BANK OF AMERICA ACCOUNT YESTERDAY! 

So another company not affiliated with Bank of America can get my money to a Bank of America account FASTER thank Bank of America can simply transfer into another of their own accounts. How pathetic is that! 

I want my money transferred today!
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I'm lost my wallet, a few days later I see some transactions that I don't recognized, I call C

hase fraud department and make a claim about the transactions. The chase department r
eplacement my card and refund me with the money in XX/XX/XXXX while they investigate the transactions, 5 days later they removed the funds that they provided before and my account become negative, I don't know why because my card was lost and used by someone. I need help with this please. The transactions are the following : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I reported this transactions too, but I never received any money back or letter explain why this transactions they never investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NE)

For several years, I have had a credit account with Paypal Credit. In XXXX, 2019, Synchrony Bank bought out the company who provided credit for Paypal. It has been a real mess since they bought the other company out. 
I have been current with Paypal Credit since I got the account. I have made the following payments since Paypal Credit since XXXX. I am providing this info based on the fact that I was current when Synchrony Bank took over ... These are the dates and amounts of the following amounts debiting my bank account for payment to Paypal Credit. 
XX/XX/2019 {$300.00} XX/XX/2019 {$400.00} XX/XX/2019 {$300.00} XX/XX/2019 {$250.00} XX/XX/2019 {$250.00} XX/XX/2019 {$200.00} XX/XX/2019 {$250.00} XX/XX/2019 {$120.00} In XXXX, Synchrony requested a second payment for the month because they decided to change the payment date to a different date in XXXX. As you can see, I had already paid them {$300.00} that month. I called them to dispute it with them, and they informed me that I would have to honor their new payment date. I live on Social Security, so that was not a realistic solution for me. In addition, I informed them that as of XX/XX/2019, I had lost everything that I own in flood waters ( the Nebraska Missouri River Flood of 2019 ). It was a declared Natural Disaster. I had been told by my bank that they are required to freeze payments and interest for 6 months following a natural disaster ( that is declared and signed by the president ). Synchrony Bank did not do this. I continued to pay them anyway. However, they have never resolved a problem. 
It might be noted that I do have another account that they manage for Walmart Credit. It is in default because the account was used by a family member without my authorization. I do not have the money to pay on the account, and my family member has said that they will begin to make payments. Every time I call, Synchrony tries to collect on that debt, and they will not work out the problems on this account, which has ALWAYS been current.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

I was sent an invitation by a friend to apply for an XXXX XXXX card and if approved I would receive XXXX bonus points. Amex did not honor the points. They claim that I clicked yes to open the card without the points. Ive asked for them to provide proof of this and they could not provide any. Why would I open a new card if Im not getting the promised bonus points? Additionally, they charged me a {$95.00} annual fee. When I called to cancel the card they would not waive the fee and close the card. They forced me to move into a lower card in order to waive the fee but charged me a pro ration of the fee from when it was originally charged to the day I was put into the new card. They have been difficult to deal with at every turn.
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

My loan was transferred to this new company a few months ago. I was in an active COVID-19 forbearance plan. During this time, I've been harrassed non-stop with certified letters threatening foreclosure due to the past due payments. I'm one payment behind because my tenants moved out, but I'm positioned to catch up before the federal COVID-19 protection period ( maximum one full year ) is over ; however, the current loan servicer will only allow me to extend my protection to the end of XXXX. At this point in time, they require me to submit full financial disclosures and go through a full loss mitigation process instead of allowing me the option to extend the full period. I request that this business is reviewed for their predatory practices against individuals protected by the CARES act. I also request that the business comply with the CARES act and allow me to extend my protection without supplying the additional documentation, per the law.