davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CT)

I had an ongoing issue with a travel group called XXXX which is now in mediation with the State XXXX. The policy of XXXX is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card XXXX. Discover Card XXXX had initially credited my account for half of what I paid XXXX and then took it back the day before XXXX stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card XXXX through the CFPB. The first being that they failed to issue any refund at all ... Now. Discover Card XXXX has reduced my credit line from {$9000.00} to {$1400.00} without cause. They cite : Payment relative to balance on your account ( s ) No usable real estate accounts Average time since revolving accounts opened is too recent. But it is important to note that I have several credit cards because I like having cards at a XXXX balance and I just paid off debt significantly as of XXXX 2016 -- so I do n't know what they are talking about when it comes to my balances. I also paid Discover Card XXXX at least twice to the tune of about {$6000.00} or {$7000.00} so I am a very good debtor. I think Discover Card XXXX maliciously lowered my credit rating as a result of my complaints to the State XXXX and the CFPB. How did I go from having a {$9000.00} credit line when my balance was {$7000.00} or {$8000.00} dollars to having a {$1400.00} credit line when my balance is less than {$1000.00} and I am paying down the debt monthly???? The card has literally sat in my desk drawer. This kind of malice is really indicative of what we as consumers saw XXXX 10 years ago with credit card companies intentionally putting debtors into harm 's way through no fault of their own.
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( ref https : //www.digitaltrends.com/computing/second-wells-fargo-computer-glitch-resulted-in-foreclosure-of-hundreds-more-homes/ ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX place, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( https : XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Consumer complaint received 2019-05-21
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account RECEIVABLE ( ORIGINAL CREDITOR : XXXX )
Consumer complaint received 2016-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (AZ)

I am getting called on my home line an under a name that is not mine. The company is using my first name but has an incorrect last name. Furthermore, I have no debt owed aside from student loan debt, which are in good standing. 

Premier Recovery Service calls my phone each and everyday. When I answer, the person says they have legal documents they are about to serve me. The message is an automated system and there is no way for me to speak to a representative. I can not get them to stop calling. 

I do not owe anyone any debt of any sort, other than student loans, which again, are in fine standing.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have previously submitted a complaint with your organization and it was closed as the Bank of America promised an inquiry and response. We received emails as pdf attachments with no contact info two different times both saying the same, that they will respond with details. Unfortunately, I did not receive any formal conclusion with a response to my questions. This has been more than 180 days, the first response promised action within 60 days. I tried to call the number you provided but the extension does not take me anywhere. 

CFPB previous complaint details : STATUS-Company responded on XX/XX/2021 Previous Complaint Number : XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint.
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Debt Recovery Solutions, LLC (NJ)

On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Debt Recovery Solutions. The funny thing i that they are collecting for XXXX 's which was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all XXXX credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I 've called Transunion interactive department and annual credit report and explained to XXXX them that I 'm not able to access my Transunion report online each year and have to have copy mailed. I want to view my report online as I do with the other XXXX credit bureaus XXXX XXXX. I 'm able to view these credit reports online, but not Transunion and nobody has been able to help with this issue!
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MRS BPO, LLC (CA)

Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

XX/XX/2020 I attempted to unfreeze my credit at Equifax. 

I learned that they implemented a new system and never bothered to notify those who signed up under the old system that there was a change. 

I filed a complaint # XXXX which details some of my troubles. 
The response I got from this company was to submit my information yet again, which would be the 8th time. But I did it anyway. I included a copy of my drivers license as well as the other information requested, including a copy of a W2. 
I heard nothing back from the company, and this complaint was marked complete.
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: DISCOVER BANK (GA)

I had a discover card with payment protection which showed a charge for on all statements. they refused to use this insurance and sued me in court which I was unable to attend due to a death. My mother. They got the judgement and attached my wages as well as a lein on my home. this debt has been paid in full per my payroll dept and they have yet to remove the lein on my home thus preventing my refinance in order to save my home. I have communicated with there attorney by fax and requested this be removed and copy the release to the VA to show the lein has been removed. As of this date XXXX/XXXX/2015 there has been no response to remove this lein. I would like the justice department to look into this practice of denial with records of this insurance on the statements from discover bank as well as securing this relieve of lein at once.If there is no response I would like the justice department to support this senior citizen as well as all who have been doused by this charge that is denied when requested.
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (GA)

I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.
Consumer complaint received 2015-10-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (NC)

Constant contact from Gateway One Lending to cellphone, employer, family, and friends. In one month contacted job over 50 times and left 32 voicemail on cellphone. Gateway has been advised previously on 2 occasions not to contact me anymore regarding debt, especially not at place of employment. On XXXX/XXXX/15, XXXX with Gateway told the receptionist at my job that he need the office manager to provide him my employment information so that he can Garnish my wages. He has repeatedly contacted my employer pretending to be someone other than a debt collector.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear OPPLOANSXXXXXXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina 's identity theft and fraud laws, specifically under N.C. Gen. Stat. 75-63 and 14-113.20.

It has unequivocally come to my attention that OPPLOANSXXXXXXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C. Gen. Stat. 75-63, emphasizes the necessity of consumer consent for credit reporting. Furthermore, N.C. Gen. Stat. 14-113.20 establishes clear guidelines for the fair reporting and protection of consumer credit information and addresses the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for OPPLOANSXXXXXXXX XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that OPPLOANSXXXX XXXX  immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and N.C. Gen. Stat. 75-63. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that OPPLOANSXXXX XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX my account was reported late I had spoken with a representative on XX/XX/XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped XXXX points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX : Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a single mother. This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (CA)

Hello, My name is XXXX XXXX. I have had my Wells Fargo credit since 2019. I was told that Wells Fargo reports my credit history to each credit report bureau, however, credit bureaus didnt have my credit card on my profile for a long time and after several complaints and investigations, I was able to fix this issue with XXXX and XXXX XXXX Both have my credit card on file and update my credit score. Unfortunately, its been a while now XXXX cant solve this issue with XXXX. It still doesnt have my card on my profile and hasnt updated my credit score. They keep saying that Wells Fargo never reported it and Wells Fargo says that they report it. XXXX assures me that theres nothing they can do about it and that I should solve this issue with Wells Fargo. At this point, I am not sure what I should do. This situation affects me negatively in many ways and I want it to be solved. Thank you!
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX wrong status XXXX  XXXX XXXX wrong status XXXX/XXXX  XXXX wrong status INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized XXXX  XX/XX/2018 unauthorized CAP XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX  XX/XX/2018 unauthorized Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (SC)

I would like some help/information. I have a credit card with Chase. My payment is due today. This morning I made a {$200.00} payment. When I got home from work XXXX XXXX and I knew my paycheck had cleared, I went to make another payment to complete the amount owed. The online process would not allow me to make another payment, so I called. The representative would n't allow me to, so I asked to speak to a supervisor. XXXX, the supervisor, also informed me I could not make another payment for 3 days from the same checking account. I asked where it stated that I could n't make a second payment. He could not find anything, but refused to take a XXXX payment, which means I will be paying interest on the balance XXXX {$1100.00} XXXX. What can I do? Thank you, XXXX XXXX
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I reported my debit card stolen/lost, in which my account should be locked. However, two days later, someone had pulled out all my savings and checking, which accumulated to {$3000.00}. When I contacted the bank they had no explanation on how this was possible since my old card was inactive and have not yet received my new card. They also made a phone transaction and stole {$1500.00} from my account. The bank now says I have to wait 10 days before anything happens, although this was their fault for failing to protect my account.