davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (TX)

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXotentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$49000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Creditor recently l XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open.. 


FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1300.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1700.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$2800.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Account charged off. {$1700.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. $
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (WA)

I have a Visa Gift Card, prepaid and loaded with {$250.00} ( purchased from XXXX in XXXX XXXX, Washington ), that was given to me in XX/XX/XXXX. I tried using the card for the first time on XX/XX/XXXX online, and the transaction was declined. I tried using the card twice in person, once on XX/XX/XXXX and XX/XX/XXXX. After these declines, I tried logging online to XXXX to see what I could find out. 
I was unable to log on to the website, due to an error message saying the card number did not match the XXXX security number ( XXXX digits on the back ). I called the customer service number on XX/XX/XXXX and spoke with an agent. The agent told me the card had been used in person at a XXXX store in XXXX, California. I expressly stated that this was fraud and that I was still in possession of the card, and I am located in XXXX  XXXX. I was told on XX/XX/XXXX that XXXX 's entire fraud system is " down '' and that there was no way for me to lodge a dispute and to call back today, XX/XX/XXXX. 
I called again XX/XX/XXXX, and was told again that their entire fraud system is down, there is no way they an help me, and they have no estimated date of when the fraud department will be back in service. In addition, there was no record of my phone conversation on XX/XX/XXXX where I expressly stated my card had been used in a fraudulent transaction. 
I repeatedly asked to get logged in so I could see a transaction history, was denied. 
I asked for a detailed history on the card ( date the card was registered, who the card was registered to ) and was denied any information, only being told that since the card was now " inactive '' they no longer had access to that information. 
I also asked for an explanation on why the website error told me the XXXX number did not match the card number. They did not have an answer for me. 

I believe that the company sold a bad card, and as I am unable to launch a fraud investigation, I have no way of recuperating the lost funds in the amount of {$250.00}. 

In addition, my co-worker is having the exact same problem with this company. Her VISA prepaid gift card was used on the exact same date ( XX/XX/XXXX ) at a XXXX in XXXX, California.
Consumer complaint received 2021-02-22
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: WELLS FARGO & COMPANY (CO)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. WELLS FARGO XXXX XXXX  Inquiry : XXXX XXXX, XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (ME)

I have spent months trying to transfer my lease. In my contract its says lease transfer is an option. My local dealership I bought it from suggested swap a lease a third party company that helps you find a buyer to take over your lease. 
I paid the fee and have found 5 buyers. Mercedez-Benz financial refuses to initiate the transfer or even give a timeline when they will .they claim its because of of covid : when in fact they are selling and rolling leases over. They are just not complying with what is in my contract. They also have been taking to court several times prior to covid for this same issue. After months and several people saying no. I then after stating I seemed legal advice was able to atleast get a special consideration for this transfer : mind you its not a special consideration its in my contract! They are clearly breaching and violating my second amendment right! I have stated and given proof of buyers and they have caused each one to no follow through. I will continue this legally if not resolved and I lose this most recent buyer.
Consumer complaint received 2022-08-20
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BELMONT FINANCE LLC (IN)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BELMONT FINANCE LLC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I called the company on XX/XX/2022 because I recieved an alert saying that my card was over the limit. Care Credit account # XXXX are using unfair credit card practices. My credit balance was lowered from {$10000.00} which I did not recieve notification about this and it caused my balance to be over the limit on my credit card servely. After my promotional % charges were completed they ballooned my Interest charges to a one-time of fee of {$3300.00} Which to me is a complete shook because I did not know that I was on a promotion also I was made aware that I was recieving a promotion that ended XX/XX/2022 which was not made clear to me when signing up for the card. So every payment I made they took and did not give me credit for. This is predatory and unfair.I have made all my payments with no missed payments to this company they lowered my limit without notification and whitheld that I was on a promotion and on top of everything they intenitionally lowered my limit to take all the money I've paid theme.
Consumer complaint received 2021-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

My XX/XX/2020 loan payment was drafted from my account on XX/XX/XXXX but Lakeview Loan servicing said they didn't receive it. After getting all of the documentation sent to them and weekly calls starting XX/XX/XXXX, they stopped responding to my inquiries. I called them at the end of XXXX, and I was told that they returned my mortgage payment to my bank in a " bulk check '' which I later was told meant they returned multiple payments without an explanation. Nobody could answer why it was returned, just that the " check was in the mail '' on XX/XX/XXXX. To date my bank has not received the check, and I have not received credit for this payment that I am still out. I had to submit another payment to keep my account from being reported, but I still do not have my money back.
Consumer complaint received 2022-07-06
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, JPMCB Auto Finance, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX all placed inquiries on my credit reports without my authorization. I have contacted these companies along with XXXX, XXXX, and XXXX to notify them of the error because my credit was run an excessive amount of times and putting that many inquires on my credit report at one time has damaged my credit score. I was not made aware that multiple inquires across and as a consumer it has made it difficult to attain credit from anywhere because of the multiple inquires I did not authorize.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TN)

They keep calling me and every time I answer they say they have no record of me. They have illegally altered the service dates on my credit report and have refused to send me proof of the debt via mail. I can not even get my account number from them to follow up. They have ignored my contesting of the debt validity and ignored my attempts to fix the issue. I have sent in disputes and it just returns the same with no further proof of the debt. 

The name of the company is as follows : Phoenix Financial Services,  LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXXXXXX  I went to send my husband {$20.00} on PayPal when I noticed the email was changed, so I called PayPal and explained to them that wasn't my email and they said no problem and that they would fix it. on XXXX XXXX, XXXX, between XXXX am and XXXX am, I heard a ping on my phone saying I had a transaction of XXXX dollars. Simultaneously, I had gotten another message saying that I authorized {$500.00} and then right after that I got yet another message saying that I authorized a transaction of {$3200.00}. Within a minute all of my money was gone, I called PayPal straight away and it said we had XXXX cent balance. From there we opened a claim and they said not to worry, they would fix it. Me and my husband noticed after the first ruling we saw that there was bank in XXXX that was attached to the account ( XXXX XXXX  ) and someone else 's name and phone number. We had to enlighten PayPal that there was a different name, number and email attached. There were also clearly two different IP addresses, mine and the person who stole my money. I live in XXXX and have never been to XXXX I never even attached a bank with my account. On XXXX XXXX XXXX they also told us that a computer handles these issues, not an actual person. From there, they escalated it again and told us that a human would be looking at it. They came back and they did not find any unauthorized activity in the account yet again.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OK)

I XXXX XXXX XXXX have been fighting to save my home from foreclosure for over two years. My financial difficulties began by the breakup of my previous marriage. After nearly {$200000.00} in loses I was able to regroup and start my life over, paying off over {$100000.00} in expenses and bills left from my marriage. I spent the better part of one year submitting the necessary documentation to modify my existing mortgage with originally XXXX XXXX XXXX, especially after a foreclosure motion was filed against my home. I hired a local attorney to represent my position, and upon review of hundreds of pages of documentation, a local judge decided that I was within my rights under the Fair Debt Collection Practices Act to modify my mortgage. For that matter, my rights to protect my home from foreclosure was violated under the Fair Debt Collection Practices Ac addendum of XX/XX/XXXX. I have since remarried, and my mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX then to Freedom Mortgage Services. My modification was approved firs by XXXX XXXX, then again by Freedom Mortgage XXXX. On XX/XX/XXXX I submitted my second approval paperwork with Freedom Mortgage Services after making my here probationary mortgage payments. Mortgage payments are still being taken from my bank account on a bi-weekly basis. Suddenly beginning this month, I stared receiving threatening messages that my home would go back into foreclosure if my modification was not signed off by my ex-wife XXXX XXXX. My relationship with her is hostile, especially after my marriage to my new wife. She will not now sign off on the modification, even though my divorce decree was filed with all three mortgage servicers along with a copy of the quit claim deed. I believe that as long as I fulfilled my probationary payments and filed notarized copies of the approved modification where XXXX XXXX was excluded, then my modification is valid and must be honored and filed with the county clerks office. I am filing this complaint stating that my rights are in violation with the Fair Debt Collection Practices Act and The Fair Credit Reporting Act. I am notifying my attorney to file a counter lawsuit based upon these violations if this last modification where I am sole responsible is finalized. No further threats of foreclosure will be accepted or tolerated. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Ive had term oil & hardship from these inaccuracies on my credit. 
The open & close dates are wrong & its still reporting a balance all of which is against the law
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizen 's One offers a line of credit to purchase a XXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened a new account from XXXX XXXX and wrote a check to a contractor that was refused by BB & T and then made a wire to resolve the funding delay from the check. 

The funds were withdrawn from my account but they werent released to the recipient, instead his entire account was frozen for at least a week and he was charged fees to launch an investigation. My contractor is now being forced to pay out of his own savings for paint and materials. 

The bank is holding his funds and account XXXX and refusing to resolve the issue.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (TN)

I noticed that this was on my credit report almost six months ago. I reached out the billing agency at the hospital to let them know I never received a notice and to advise that I had XXXX that was not billed. I told them I never received a notice from a collection agency or even their facility to advise me that I had a balance. I was told I would receive a copy of the HCFA 1500 form ( which I never received ). I asked that this be withdrawn from collections and filed to my insurance but that still has not taken place. This hospital has violated my right as a consumer to dispute or even validate this debt within a 30 day timeframe but I still have not received validation. I have disputed this account several times through the three credit bureaus to which, this has never been XXXX XXXX on my credit report. I see that this company has currently been sued and I plan to seek litigation myself if this is not removed from my credit file immediately due to their several failed violations.
Consumer complaint received 2021-02-22
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX I reached out to SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize this, I've sent letters as well as called the company multiple times about it and i get hung up on. im highly upset that the pulled my credit without my authorization on XX/XX/XXXX
Consumer complaint received 2020-08-26
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. (IL)

I Am A victim of Identity Theft.. My information was stolen and used for many accounts to get car and loans without my knowledge. I spoke with the credit bureaus and disputed this items numerous of time and they still remain on my credit report. This items are stopping me from getting the house that I need for my family. The Items still remain on my EXPERIAN.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (AR)

This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
Consumer complaint received 2020-08-26
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.