davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of +20 yrs to a man who called me from local court House whom explain to me I could rent the home from him stay in the home and have the option to purchase two years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in southern Utah well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc. (VA)

Recently received a collection notice from Creditor 's Collection Service , Inc . They claim I owe a balance of {$75.00} to XXXX XXXX for a XXXX provided on XX/XX/2021 by " XXXX '' at XXXX XXXX. XXXX. XXXX. I have had numerous conversations and correspondence with their billing office, who assured me they would look into it. I have provided them with copies of checks and an online payment to prove I have made six payments of {$75.00} ( am also forwarding same to above referenced XXXX XXXX ). They continue to insist I owe them {$75.00}.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (IN)

On XX/XX/2022 consumer 's disputed with EQUIFAX the accuracy of all accounts for US DEPT OF EDUCATION student loans. ALL LOANS ARE PAID IN FULL with a {$0.00} BALANCE. EQUIFAX still has not honored consumer 's request and updated the accounts.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 I received an email from a company named XXXX. This is a company i use to protect our computer from viruses. The email stated that they had withdrawn $ XXXX from my account. I immediately called this company and they told me they will refund me my money and all i had to do was walk over to my computer and log and go on my bank account and they will transfer me the money immediately. I believed them because when I went to my computer they were on there and i assumed no one else would know how to hack my computer. As i trusted this process the lady was directing me to input XXXX and suddenly the screen went blank and the representative came back on the phone and was explaining how i pressed something by mistake and now I had {$20000.00} of their money in my account. The lady kept insisting I had to return her her money. At this time they had full access to my bank account and they transferred money from my savings account to my checking account to make it appear that those {$20000.00} that was in the checking account was a mistake i made and now their money was in my account when in reality it was my own money they had transferred. They also had access to private notes i have on my XXXX spreadsheet including log in information and passwords. They transferred themselves from an online chase banking services {$14000.00}. When I realized this had happened i ran to the bank no more than 10 minutes after i noticed and the teller at the bank was closing and told me that she couldn't help me and to call the mortgage center online and to send them an email. I immediately did both. The bank teller told me they shouldn't approve it if i had never done a wire transfer before & they will have to call me first to make sure I had authorized this wire. I have never wired any money from this account in the past 12 years that i bank with Chase. When i called no one was available at the fraud department and i sent 3 emails and i didn't get a response until the XXXX. By then the wire had gone through and the money had been withdrawn immediately. I was then told by chase bank that they had no money to return to me because the wire had gone through and the money was not available anymore. I found out that during this time Chase had cut down on workers and changed the fraud department hours and that is why noon was available immediately to cancel that wired. I have written several letters to Chase, I have gone in a branch here in New Jersey, I went to another branch in California and i have called numerous times and at first i wouldn't get an answer and then finally they told me they had denied my cliam. I asked them to send me the letter of denial and they wouldn't send it. I went into a branch that finally had the letter printed for me and recommend you to me. Please help me with this fraudulent activity on my account. This is money i had saved to help my son with college.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (VA)

On XXXX XXXX I was notified by Barclay 's that my XXXX XXXXXXXX Credit Card had been closed. I had had this card for over 25 years and had never missed a payment or been late with a payment. For the last year or so I had been using the card to purchase high end watches to resale in a small business that I started. Some months I charged as much as {$150000.00} on this card and always paid it before it was due. The card had a {$50000.00} limit. The letter I got stated " your history of account usage '' as the reason for closing the card and said if I had any questions to write to Barclays, XXXX XXXX XXXX XXXX XXXX XXXX On XXXX the XXXX I sent them a letter asking for the reason that they closed the account and for the reinstatement of the same card. 
On XX/XX/XXXX, I received another letter from Barclays stating that they were unable to complete my request. This letter told me to contact them at the number on the back of my card for more details. On XXXX XXXX I called and spoke with several different people over the course of more than an hour and still got no answer as to why my card was closed. One person did tell me it appeared that I was trying to run up airline miles! 
I am requesting the reason for the closure and the reinstatement of my card and credit limit. Any help would be appreciated.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/22 I received 3 messages from Bank of America that all three of my credit cards with them were drained completely when someone processed direct deposit cash advances simultaneously to XXXX XXXX XXXX XXXX around XXXX XXXX to an account ending in XXXX. I called Bank of America that afternoon as soon as I checked my email and they proceeded to do a fraud investigation. The investigation of the credit card ending in XXXX had concluded that my device was used in making the transaction. The only way I make online purchases is via my laptop. XXXX XXXX XXXX XXXX XXXXXXXX which is an hour away when this happened. I start working at XXXX XXXX  at XXXX XXXX. I do not even have an online account with Bank of America but someone must have set up an account in my name to have access to all three of my credit cards. Bank of America should have suspected something was fraudulent when all three credit cards were not only totally drained simultaneously but also there were three requests for increase credit limits but only one was granted. Thankfully no more money was obtained from that. Bank of America gave me no information about the bank the money was transferred to or what happened to the money. I have a bank here locally in XXXX and would have taken money out of that bank and not have to pay fees in doing so. They did not give any evidence as how they determined it was performed on my device. The account ending in XXXX had {$3200.00} withdrawn, the account ending in XXXX had {$5800.00} withdrawn, and the account ending in XXXX had {$9500.00} withdrawn. With all the fees over {$20000.00} is at stake. I should not be held responsible for any of this as I did not perform the transaction. I live alone and no one has access to my laptop and my credit cards were always in my possession and no one is ever allowed to use them. You can check my credit history and see I NEVER made any cash advances. I always pay the balance of my bill in total every month to avoid interest charges. I feel Bank of America was negligent in allowing this transaction to go through and allowing a credit increase without notifying me. The claim number for the concluded investigation is XXXX. I don't know the status of the other two credit cards but expect a similar conclusion as this crime happened at the same time in the same circumstances.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NY)

I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXX. XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; XXXX  reports last XXXX of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; experian reports CO since XX/XX/XXXX with no last payment date. 
XXXX. XXXX XXXX XXXX reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; experian reports first 30 day late XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and experian reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. Experian also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma (TX)

Credit Karma notified me that I had a new hard inquiry on my credit report as a result of a XXXX XXXX credit card application that I did not send in. After the perpetrator received the denial, they opened a Credit Karma bank account, ordered the debit card, and added the digital card to their XXXX XXXX, all in my name through my Credit Karma account. They were able to add their own phone number to my account in order to get the verifications necessary, all without any permissions or identity verifications from me, the account owner. Credit Karma could have ruined my credit.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (FL)

I was made aware of this debt that's on my credit report that is not mine. They gave me the wrong address where I was supposedly living at and then they gave me my parents address. Dynamic recovery solutions account number. XXXX two claims for two different amounts. Of {$600.00} and {$7600.00}
Consumer complaint received 2022-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/2022, I used Paypal & its subsidiaries to book a stay with XXXX for a total of {$2300.00}. Payment confirmation attached in Exhibit XXXX. Paypal processed the payment in the wrong currency ( GEL instead of USD, at a punitive exchange rate ), even though the website showed a price in USD. I attempted to undo the transaction, and submitted a dispute resolution claim to Paypal to change the currency. The claim was intended to be submitted for an amount of {$0.00}, as I was not disputing the transaction itself, but I accidentally fat fingered {$0.00}. When I attempted to correct the amount or withdraw the claim, the Paypal website crashed and continued malfunctioning. 
On or about XX/XX/XXXX, I called Paypal in an attempt to resolve the issue. The Paypal call center agreed to correct the currency but refused to undo the claim, on the grounds that it is a small amount and it will die itself. 
On XX/XX/XXXX, I received notification from XXXX that my reservation was cancelled because of a dispute with Paypal. Email attached in Exhibit XXXX. I subsequently received a separate notification from Paypal that my dispute for {$0.00} was approved Exhibit XXXX. However, I was not refunded the full amount of the reservation the remaining {$2300.00}. 
Upon receiving notification of cancellation but no refund of the 99.997 % of the purchase price, I attempted to open a new claim with Paypal for the remaining {$2300.00}. However, the Paypal website prevented me from doing so as a claim on the same transaction was already approved. 
After multiple futile attempts to have Paypal reopen the claim through its website, I contacted XXXX on XX/XX/XXXX. Record of our correspondence attached in Exhibit XXXX. XXXX stated that I should contact Paypal as funds had been returned to Paypal, with transaction ID XXXX. 
On XX/XX/XXXX, I called Paypal. Paypal opened a new claim, however, it was denied on XX/XX/XXXX denial attached in Exhibit XXXX. Paypal motivated its denial on the grounds that the item or service was delivered to you, according to Paypal records. Nonetheless, the reservation continued to be clearly cancelled per XXXX records ( screenshot from XXXX website in Exhibit XXXX, incremental to cancellation email in Exhibit XXXX ). 
On XX/XX/XXXX, I tried once again to call XXXX, who once again confirmed that a full refund was provided to Paypal ( see XX/XX/XXXX message in Exhibit XXXX ). I once again called Paypal, which once again refused to provide the refund. Record of message sent from Paypal attached in Exhibit XXXX. I have received no further communications from Paypal. 
In sum, Paypal XXXX wilfully misled me as to payment currency, XXXX caused a cancellation of my reservation with XXXX, XXXX refused to consider compelling evidence of non-delivery of service to me, and XXXX engaged in unjust enrichment by refusing to return to me funds that were refunded to Paypal by XXXX, as confirmed in writing by XXXX
Consumer complaint received 2022-07-10
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)

We purchased a vehicle and financed thru Santander Finance. After going through hardship we lost the vehicle. XXXX of this year I reached out to Santander because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my XXXX, XXXX, and XXXX as well as on my husbands bureaus. We feel lied to and when we call Santander they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Click n' Close, Inc. (TX)

To whom it my concern, I started experiencing hardship XX/XX/2022, because of low paying loads, high gas prices and maintenance to keep the trucks running. I reached out to the mortgage company to try to get some kind of help, as far as a forbearance or a loan modification. They told me I was denied and didnt qualify because I ( didnt make enough income ). At this point, I tried my best to keep working throughout this year to keep my mortgage current. I realized that this check to check thing is not going to keep working, so i tried to reach out again, to hopefully qualify for a loan modification. I personally felt by the patterns of my mortgage payments now, from the on-time payments pattern prior, that obviously they would see how hard I was actually struggling. They denied me again, stating was ( because I wasnt unemployed ). And didnt meet the requirements. Which made absolutely no since so basically if I have a job to make some type of payment, is not enough income, but if Im not unemployed then I dont qualify?? Its a big run a round. Ive be doing everything possible to keep my home, I have a wife and XXXX kids on top of trying to keep a struggling XXXX business open. Please help.