davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
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. (NJ)

On XX/XX/2018 I filed a dispute through XXXX XXXX on my Transunion credit report for a {$680.00} item from XXXX XXXX XXXX. On XX/XX/XXXX At XXXX XXXX I CALLED Trans Union and spoke to XXXX XXXX a supervisor who stated my call was routed to his location in XXXX. He asked me for my full social security number and my name and address. I felt uneasy giving this man my social security number due to all the scans that are happening with the overseas scammed. I have never been asked for my full social security number over the phone usually the last 4 digits will do. I explained to him that my investigation was due to be completed by XX/XX/XXXX and I received no notification. He stated that the investigation was completed on XX/XX/XXXX but I was never notified by email, US mail or a phone call. He said the creditor confirmed the debt and there was nothing he could do. This debt was paid and the contract between the dentist and myself was canceled. There is no avenues for a consumer to take to dispute eroneous information. The credit bureau takes the word of the creditor without any proof. I have 100 % on time payment history with my creditors. This one item is causing my score to be below XXXX. I will not pay for something that was resolved. This is a form of extortion.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (NC)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A. States 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 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I did a balance transfer to XXXX to pay off Capitol one.well they denied 1st transfer-Capitol one cause I had amount more than what I owed.so I used the card and done another balance transfer.this time Capitol one ran them both thru.so now my account is XXXX.i called at end XXXX n they said they are mailing check.few weeks went by and no check.called again at start of last week.they said check be here XXXX XXXX.well still no check XXXX XXXX.so called for 3rd time.said they had no information that they was supposed mail a check.twice they have flat out lied to me about mailing the money.so that being said they need to address the issue and now!
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/2022 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate, seventh request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!
Consumer complaint received 2021-04-27
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: World Acceptance Corporation (OK)

I have found that there are several incorrect and unverified items, with World acceptance  and I have disputed these items with them and the credit bureaus several times in the past. These items have also caused a significant negative impacted my current ability to receive credit and have provided unnecessary embarrassment and inconvenience. 


World Acceptance XXXX and World Finance Co XXXX. This is the exact same company reporting incorrect information and duplicate account. They are listing it under different account numbers and keep removing and re-inserting it on my credit report. 
My last account with World acceptance was opened in XX/XX/XXXX, account number XXXX, and my last payment was in XXXX. I am sending documentation of this. 

This has not only hurt my credit score but also CAUSED major stress and the credit bureaus and world acceptance violated my rights. They recently just did it again which dropped my score XXXX points
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (VA)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX XXXX XXXX/XXXX/1962 American express send me this letter about an account and a request for a second card. 

I NEED THIS TO BE CLEAR I DO N'T HAVE AN AMERICAN EXPRESS CARD AND AND NEVER REQUESTED AN AMERICAN EXPRESS CARD. 
someone has stolen my id and applied for a card in my name see attached doc I need for this to be stopped and some XXXX call me at XXXX to get this resolved. 

i have been on the phone of over an hour and was transferred to XXXX THREE TIMES THEN TO XXXX THEN TO THE XXXX AND NO ONE COULD HELP ME!!!!!!!!
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (WA)

This occurred with Audi of XXXX in XXXX, WA in XXXX of XXXX. I was assured by XXXX XXXX from the finance department that I was signing for an auto loan under my business entity. XXXX said he structured the loan so it would not show up as a personal loan, would not show up on my personal credit, and made claims that I would simply be the guarantor. XXXX even questioned why it was so important for me to have the loan under the business and I explained my plans to purchase more property. Sales representative XXXX and my wife XXXX witnessed this transaction. I signed documents and XXXX never disclosed a different loan would be processed. 

At the beginning of XXXX, XXXX and I began a pre approval process on a property for another business. I recognized that my credit score was greatly impacted by the auto loan during this process. This caused us to be unable to follow through with our business plan due to financial liability caused by the auto loan. 

XXXX was able to contact XXXX by phone after we made numerous attempts. XXXX explained to XXXX the situation and his response was something to the likes of, Im sorry, I tried my best. I was lied to through deceptive sales practices to push along a loan I didn't consent to and it is greatly affecting my professional life.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I do not owe the PORTFOLIO RECOVERY charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Consumer complaint received 2016-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (GA)

Nelnet has ceased to accept payments on weekends. Recently, when scheduling a student loan payment online, I was unable to schedule a payment for any Saturday or Sunday. My credit card, utility and cell phone bills are all payable on weekends. Surely it 's possible for a Federal student loan servicing company to accept ACH payments on weekends as well. 

My loan accrues a few dollars a day in interest every day. If I ca n't pay until the Monday after the weekend, it costs me almost {$20.00} in interest alone. In my opinion, this is the most likely motivation for Nelnet to refuse to schedule payments on weekends. A student loan servicer should do exactly that - service my loans. They should not prevent me in any way from paying to my own detriment.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Please Reference Complaint # XXXX I am being retailed against by Wells Fargo for filing a complaint with your agency. 

Please read the email attached, I received from Wells Fargo today. 
They are requesting information that was already provided, asking if the house is vacant - after I was instructed to vacate the premises! Wells Fargo 's counter offer on the house which was listed " As-Is '' for {$590000.00} a year ago is now countering their offer to settle for {$700000.00}. 

The bottom of the email said " This correspondence is for this particular loan ONLY. The guidelines outlined above are specific to this loan and should not be interpreted for all Wells Fargo Home Mortgage loans '' This is Blatant retaliation for filing a complaint with the CFPB and asking assistance Senator XXXX XXXX for assistance. Email from Senator XXXX XXXX 's office attached. 

Wells Fargo has to stop!
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NC)

In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation
Consumer complaint received 2023-05-09
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I have been contacted by chase an account that I have disputed and do not owe as I explained my situation to them the representative said I see this might not be you. She then began to accuse me of living at an address that I have not lived at for many years and claim that I was lying about my info when I have proof that I was not living at said location. The phone number that contacted me was XXXX I would like to resolve this issue and protect my rights as soon as possible. Thank you
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION (CA)

I had been using Xoom to transfer money to the XXXX for friends ( or so I thought ) that had been impacted by the pandemic. On XX/XX/2021, they closed my account. The only thing I can speculate as a reason is that one of my recipients may have been fraudulent. Their termination notice said : " Sending transactions to a recipient who has violated the User Agreement can also affect your ability to use Xoom. '' As a consumer, I have no way of knowing this information in advance and due to a lack of transparency, there is no information to prevent this happening in the future. I have only sent small amounts to a variety of friends, typically in the range of $ XXXX {$200.00}. To the best of my knowledge these were all individuals and I had no suspicion of an criminal activity. 

I experienced this type of problem ( account closure ) with other remittance companies. In each case I had no indication of the real reason that the account was closed. If there are indeed " recipients who has violate the User Agreement '' then shouldn't Xoom ( at the very least ) provide a recipient verification service to let me check if a recipient is valid with Xoom. As a consumer, I don't have access to millions of transactional records to verify that a recipient may have violated their terms of service. 

It is indeed possible that I made some other error/violation of their agreement. Without transparency about the reason for closure, I am likely to repeat the inadvertent violation with another remittance company in the future. I am would like to use the service, but they stated that the closure is not eligible for any appeal process. Given that their is no appeal, I feel that there should be some transparency about the closure process. 

This closure occurred on XX/XX/2021. I had my account closed by XXXX  other remittance companies XXXX XXXX XXXX was XXXX of them ) and there was a similar lack of transparency about the reason for account closure. I have never sent large amounts that would cross into the realm of money laundering but that is the only other possible reason that I could speculate for account closure. I am retired and living on social security, so I don't have a source of funds that could be laundered.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-16
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. (NY)

XXXX XXXX XXXX referred to hereafter as " XXXX '', owns an old XXXX XXXX credit card account debt from XXXX. On XX/XX/XXXX, I received several letters from XXXX that contained a few copies of some of the XXXX XXXX monthly statements ( none in any type of order ). I also received a letter from XXXX dated XX/XX/XXXX, that shows a " Last Payment Date or Default Date '' of XX/XX/XXXX. That is 3 different dates they've provided. On XX/XX/XXXX at XXXX PM Eastern Time, I called XXXX ( spoke to a rep named XXXX XXXX and her supervisor ) to inform them that they are reporting incorrect information because based on the XXXX  XXXX statements, the account was charged-off on XX/XX/XXXX and based on XXXX XXXX policies, accounts are charged-off 6 months after the date of first delinquency ( XXXX ) if there are no attempts to bring the account current. The supervisor ( did not get her name ) informed me that the XXXX according to XXXX XXXX was XX/XX/XXXX but XXXX purchased the debt XX/XX/XXXX and that's the new XXXX. I explained that they aren't allowed to change the date but she claimed to not understand what I was saying. She eventually told me I could just dispute the debt again but their Dispute Department was closed for the day. After getting off the phone with her, I called back ( XXXX PM ) to request that the information regarding the true DOFD be emailed to me, I spoke to a supervisor by the name of XXXX. He informed me that my issue was above his title and the only thing he could do was accept payment for the account, I declined. I then called XXXX XXXX ( XXXX @ XXXX XXXX ) to request copies of the credit card statements. I spoke to a rep named XXXX ID : XXXX and she informed me that they no longer have access to that information since the account was sold to XXXX. She was able to tell me that the account was charged off on XX/XX/XXXX, I then asked for confirmation that accounts are charged-off 6 months after non-payment, she confirmed. All I am asking is that the XXXX be updated to reflect the correct information of XX/XX/XXXX but I am unable to get any assistance. I have disputed this several times with XXXX, XXXX, and Transunion but I have not gotten any results. I even tried to call XXXX  again after getting off the phone with XXXX and the automated system stated that I should be able to speak with a rep if I hold for " greater than 2 hours. ''
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical & Professional Collection Services, Inc. NC. (IL)

Medical claims against my children. It is the responsibility of my ex-spouse. I never received any notice of the bill or collection attempt. All correspondence was with my ex-wife, in her name only. I never received any communication in my name. Negative entries reported to Credit Bureau and my credit score has been negatively affected.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I applied to refinance our primary residence. I have been a full time employee by my school district over the last 14 years. I took off 3 years for a maternity leave from XX/XX/XXXX until XX/XX/XXXX. After starting again in XXXX of XXXX, I took off one semester of unpaid leave because my school district would not allow me to continue to work remotely. As I have a young son who we did not want to expose to Covid in a daycare setting. I was just denied due to " Frequent job changes or unemployment gap. No history of stated income. Income history insufficient in my employment history. '' I have been with the same employer for 14 years and yes, after I had a baby I took off for a maternity leave and then one semester for an unpaid leave during Covid to protect my son and family. I find this practice to be discriminatory! My home lending advisor is XXXX XXXX XXXX.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.