davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (NC)

I sent the first debt validation letter requesting for Validation not Verification to this collection agency on XX/XX/2019, they responded on XX/XX/2019 by stating that they don't have to have a license to collect debt in North Carolina and also Monterey collections said that I had 30 days from the date I was notified by them but I never received any letters from this company. Then I sent them a second debt validation letter on XX/XX/2019. In this letter I stated : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. They responded on XX/XX/2019, by stating the same thing they stated in the first letter, but this time they said they want respond to any more letters that I send to them in the future.
Consumer complaint received 2022-12-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My neighbor has imposed continual maintenance problems on me with landscaping the drainage ditch next to my house. The area has my water pipes, a power line for the street light, and some appliances reside along that wall. My insurance agent will just raise my insurance. I believe my house is being flooded with high radio frequency ( RF ) waves, this caused the street light to go out.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Monday XX/XX/XXXX I got a chime notification saying XXXX was spent at XXXX in South Carolina but I was at work in XXXX XXXX IL so I tried to dispute the tranaction but I couldnt I then got a text saying chime alert asking did I make the transaction reply yes or no so I replied no I then got a call from what I thought was a chime worker saying someone had my account added to XXXX XXXX and that I needed to change my password and they would send me a new card later I said okay I was working at the time so they said they would call me back later well on my way to get my children from day in XXXX IL I got a call from what I still thought was a chime worker tehy sent me a one time password and said dont share it with anyone so I said ok they also said they were trying to obtain the IP address on who used ny card earlier at XXXX and to not login into my account until the next day because its could corrupt them trying to obtain the IP address I said okay so the next day I went to check my account and they took everything from me XXXX moved from my savings to my checking account and then sent it to someone names XXXX XXXX XXXX never sent money This person so I called chime I asked them to dispute it I needed my money back they said they would investigate later that same day they closed my saying they wouldnt refund me no error occurred so I called again and again they reopened the case for rebuttal I sent in my police report my location at the time the login from XXXX Florida and the number that text me saying chime alert they said if I sent Im all that evidence I would have my money back but they closed my second claim AGAIN saying they wont refund me and well this is highly unfair I have been calling them since last Tuesday XX/XX/XXXX begging for my money back atleast of it I have XXXX  daughter Im a single mom my daughter turns XXXX this Friday and I have no money to do anything because someone completely wiped my account out. They are FDIC insured so the fact they wont refund me is ridiculous Im here to make an complaint against chime because they lied about refunding me and Ive sent in ALOT OF EVIDENCE that this was not me! I am a victim of fraud Ive reported this to the federal trade commission as well can someone please please help me get my money back this is insane
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am the successor in interest of a residential property, where wells fargo holds the FHA mortgage, after the death of my grandmother. 

In speaking with the Wells Fargo Life Events team and the Assumption department. I have tried to discuss CFPB Interpretive rule regarding XXXX Application of Regulation Zs Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest '. 

I have been on multiple recorded phone calls with wells fargo assumption representatives where they've told me that : 1. they have no idea what rule im talking about.

2. that the rule doesnt apply, but can't tell me why it doesnt apply.

3. they tell me that a manager will call me back and then never does. 

If you listen to the multiple recorded phone calls with the representatives over the past 7 months trying to get this completed, it almost becomes clear that they push the 're-apply ' as the only option and the next words out of their mouth are " it'll cost about XXXX ''.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX and XXXX Account # XXXX has violated my rights.

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 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-05-01
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. (NJ)

My credit score is decreased by more than 130 points, My Lender XXXX XXXX ( XXXX XXXX XXXX  ) has reported account is deliquent on XX/XX/2021, where as I did the Full Last full payment on XX/XX/2021,
Consumer complaint received 2020-05-16
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. (OH)

I have requested the METHOD OF VERIFICATION multiple times with XXXX, XXXX, Transunion concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, XXXX, and Transunion used as proof to verify the bankruptcy. XXXX, XXXX, and Transunion has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX, XXXX, AND TRANSUNION. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of XXXX. I will not accept any more pre-made responses from XXXX!
Consumer complaint received 2020-05-16
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. (CA)

On XX/XX/2020 I went to my bank to apply for the Paycheck Protection Program offered by the government to pay my employees. On XX/XX/2020 I was denied because of negative remarks on my credit profile. After going over my credit report with my banker I found accounts that never belong to me. I never authorized these accounts to be opened in my name nor did I receive any type of money or benefits from them. There is also a bankruptcy under public records that does not belong to me. I have never filed bankruptcy and have never been in a position where I needed to file bankruptcy. I tried calling the bankruptcy courts to resolve this matter but have not received any response. On top of all these accounts someone has been running my credit as there are multiple auto loan and credit card inquiries. I did not authorize any of these inquiries. Please help me resolve this issue.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (HI)

Back in XXXX of XXXX I got a car loan for XXXX XXXX XXXX XXXX, from Credit Acceptance Corp. The loan was for approximately {$11000.00}. In XXXX of XXXX I was unable to pay for the loan anymore an contacted the company explaining my situation to them. I never received a reply back from them. Then several months later I contacted them a second time telling them to please come and take the car back I still could not afford the loan any longer and haven't been driving the vehicle it remained parked at my residence. Still I never heard back from them, they continued to ignore my requests. I've contacted them on 2 more occasions the most recent being in the beginning of XXXX, nearly 3 years from the point I first contacted them telling them to come and take the car back please. And I have still heard nothing from them and the vehicle still remains parked and not being driven. Just today, XX/XX/XXXX, I was notified by my credit monitoring company that Credit Acceptance Corp has reported new information to the credit bureaus about my loan. It turns out that have now reported this loan as being " re-opened '' with them ( it has been marked as closed for the last 3 years ) and they have nearly doubled the amount they claim I owe them. It went from {$11000.00} as a balance to now {$19000.00}. I have been pleading with this company to come and take the vehicle back now for nearly 3 years and all they do is ignore me. I'm positive they are ignoring me because they're just waiting for the vehicles value to continually depreciate over time.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

Hello, please provide me with the debt validation that includes the original contract. I have yet to receive any form of the original contract. Per 15 usc 1692 you have willfully and non-negligently complying with the federal law by reporting inaccurate and invalidated information. Per 15 usc 1692 ( f ) this is an act of unfair and deceptive practices by failing to provide and honor my demand. 
You have 30 days to respond to this issue. It has surpassed 30 days and I still have yet to receive proper validation of this debt. Please provide me with the E & O insurance number to proceed with this litigation process. I demand immediate deletion of this account.
Consumer complaint received 2020-05-15
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (IL)

An account from Kay jewelers is still reporting on my credit report. The account is closed with a XXXX   balance and I have attached proof. I had to call the company on XX/XX/2020 to get this letter that the account is paid in full and there is no balance to report and the account is not open. Ive tried to dispute the account but have had no luck.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (CA)

I obtained a personal loan from Prosper in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When Prosper called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my report. The item I need deleted is listed in the report. I am a victim of identity theft, I demand that you remove the item to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission out affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

On XX/XX/2019 i received notification via email that there was a collection debt added to my credit report. XXXX XXXX  is stating that I woe a bill for a address I never lived at. they are stating that i opened this account on XX/XX/2019. This is impossible because I have had XXXX XXXX XXXX XXXX XXXX  account for 2 years and the address they are stating I have never lived there. I have spoken to the original credit multiple times and they keep selling the account to different collection agency under false pretensing. i want this removed from my account because as of today they refuse to send me proof that its my account under my social security number. As of today no one from the company has provided proof of this contract that I signed for a bill that doesn't belong to me. they have messed up my credit because of this
Consumer complaint received 2022-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Experian for almost 3 years now will not let me file online disputes. I've done everything asked as in trying different browsers and machines. Yet friends are able to dispute on my devices. I've even paid for the premium service because they told me that would fix it ... a year later still nothing. I just get ignored. And I'm certain it's because they purposely removed my ability to do so. As I've spoken with many others online with the same problem same runaround and same results. If they're just randomly removing people 's ability to dispute online that gives way to ask ... are they even looking into the disputes? Why send XXXX in the mail? I have XXXX faith this company will do what they're quite literally in business to do. This company needs to be watched and closely. They have the ability to make life impossible for anyone if they neglect duty. Even sending this complaint I feel as though my credit will suffer just from the treatment I've already received from them.i lack any faith in this companies abilities to do its job as it should. They take action randomly removing ability to dispute online e why wouldn't they neglect to add or remove information that would help that individual? That account is clearly flagged in some way.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

Purchased a product from online store and it was XXXX camera body and used Chase XXXX XXXX credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX body was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX body was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-05-17
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER ASSOCIATED WITH THAT COMPANY AND HAVE NEVER REQUESTED ANYTHING FROM THEM. I AM A VICTIM OF AN IDENTITY THEFT AND THE ACCOUNT WITH THEM UNDER MY NAME IS NOT MINE, IT WAS NEVER MINE, I HAVE NEVER MADE ANY PAYMENTS OR I REQUESTED TO HAVE THIS ACCOUNT, I HAVE SENT THEM PER THEIR REQUEST ORIGINAL POLICE REPORT, ALONG WITH MY IDENTITY THEFT REPORT AND SIGNED NOTARIZED PERSONAL STATEMENT THAT THIS ACCOUNT IS NOT MINE. THERE IS NO ADDITIONAL INFORMATION I AM ABLE TO GIVE THEM AND UNFORTUNATELY I HAVE NO IDEA WHO THE THEIF IS. ALL I KNOW IS I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo denying payment for fraudulent charges on our bank account. 
Reason for denial : too much time passed before I reported. 

Charge posted online XX/XX/2022 XXXX reported same day. 

Please find the attached letter from claim denied reason by Wells Fargo that also clearly shows the dates as well. 

When I called Wells Fargo they tell me it was posted on XX/XX/2022. My wells Fargo online portal clearly shows that it was posted on XX/XX/2022.