davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, WFB BD CRE add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-04-03
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. (FL)

I have sent Transunion a letter providing specific details of what I want on my personal profile because I noticed a lot of identity theft names. I have not received any information back from XXXX/XXXX/201, that they removed all names, that are not mine based on the information, I provided in my letter. I'm not sure why it's been over 30 days and even when I sent all my proof, they refuse to update and remove all times that could harm my credit report. Please have them update and remove all other items, because they were never mine and will or can cause identity theft.
Consumer complaint received 2019-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (PA)

I called into Freedom Mortgage for the last 2 weeks in hopes of getting a 6 month unemployment f/b due to the fact that I am unemployed. I am actively seeking employment and have a new job offer on the way. I was requesting the mortgage company speak with my girlfriend. I sent in a third party authorization several times. The company told me that it was received. I had my girlfriend call in on XX/XX/19 after speaking to XXXX at ID XXXX he told her he can't speak with her and hung up on her without any explanation. Freedom mortgage please review the call. XXXX was not knowledgeable, did not have basic information nor could he direct us to receive any information. We called back and spoke with XXXX at XXXX. XXXX verified the callers, received authorization from the account holder to speak with my girlfriend and proceeded to transfer us to loss mitigation to request an unemployment forbearance. Upon speaking with loss mitigation we spoke with a rep named XXXX XXXX who was less than helpful. XXXX did not appear to have knowledge on any of the products being offered. She proceeded to offer me a repayment plan in which I could make the full payment plus the arrearage spread out over 3 months. I kept explaining to her that not only could I not make the regular mortgage payment, there's no way I could get on a repayment plan until I am back working. She contradicted herself several times on what assistance could be offered. When I requested to speak with a supervisor she declined and said she would put in a request for an unemployment forbearance and I would have to wait 7 business days to see if I'm approved. In the meantime we have wasted weeks of our time with a servicing shop that is not knowledgeable and can not assist us with the help that we know is available to us. An unemployment forbearance is in place for borrowers who are unemployed. It's a short term assistance offer. At the conclusion of the forbearance the hope is that we may enter into a loan modification to cure the delinquency. At that time the borrower will be gainfully employed and able to make the mortgage payments and stay in good standing.
Consumer complaint received 2022-12-03
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: Southwest Credit Systems, L.P. (IL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-01-19
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. (IL)

Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my Equifax/XXXX  credit report : The XXXX XXXX XXXXXXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX company is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

PayPal contacted me to collect a debt. I did not have any memory of using PayPay, in the amount they claim I owe them, so I asked to have the evidence mailed to me. When I received the records, I immediately knew these were not my charges. I contacted PayPal to advise this is fraud and to open a fraud claim. A couple of weeks later, they called me again to collect a debt. I advised what I had previsouly advised PayPal and these charges were fraud. The person checked the notes in my file, and advised me that the fraud department denied my fraud claim ( without even speaking to me ). I asked to have the claim opened again, and advised them i would be contacting the Consumer Financial Protectin Bureau and asked them to reopen the fraud claim. I was able to log into my account Once and see these are clearly not any activity of mine. I emailed Service @ PayPal to get assistance with this issue, only to be asked to log into my account, but now I am locked out due to it being delinquent. I had asked for assistance, called but can only reach the collections department, and I am not getting anywhere. 
I did not use PayPay, and I do not know an account number. They contacted me via my home phond XXXX, and the email I had at the time was XXXX, however, I have since changed my email to XXXX, and My cell is XXXX
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

There was a fraud on my my American account that I closed 3+ years ago. American express fixed the issues after I file complaint and told me it is fixed and account is closed. I do not think they fix the issue properly. Similar fraud is happened again. Please note MY ACCOUNT WAS CLOSED years ago. No-one should be able to use it. 

Today I receive statement that someone used this CLOSED account on XX/XX/21 again and there is a of charge of {$9.00}. ( see attachment ) I called Amex immediately. After waiting hours on the line, and person told me they will work on it but did not receive any confirmation. This is a repeating fraud activity and needs permanent solution. 
The main problem is Amex SHOULD NOT ALLOW any charge on closed accounts. This fraud activity keeps happening on same account and it is damaging my credit record and more importantly I may lose my job because of bad credit. I am a Government employee with clearance and maintaining good credit is very important to keep my job. Account is closed 3 years ago. It looks closed in my credit report, it looks closed on statement in the statement they sent me. ( see attachment ) Why Amex is allowing someone to used my closed account.
Consumer complaint received 2021-04-03
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: BMW Financial Services NA, LLC (VA)

This is my last step before filing a lawsuit on XXXX XXXX XXXX in the XXXX of Virginia. 
Multiple disputed all documented XXXX XXXX XXXX failed to follow procedure when processing a dispute. They've complete disputes early without actually verify if the information was correct. I've been denied credit cards and loans for this misinformation. It has cause me great stress in my life trying acquire new credit. The information is simply not correct and needs to be corrected or removed. No one should have information being reported differently on all credit reports from the same creditor. When a consumers credit is pulled they are pulling all 3 credit reports and if things don't match up then you may have a problem. For years XXXX XXXX XXXX has been ruining my credit with these ploys. I've taken major steps to repair my credit and they are now a block in the way. I paid debts that were reported correctly if I owed that company and the validation is accurate. 
XX/XX/2021 Sent to XXXX XXXX XXXX a Factual Base Dispute consisting of errors placed by their company against me. XXXX refused to update the information to maximum accuracy. XXXX XXXX XXXX  accused me of using a credit repair services when I have wrote these letters by myself. I will include the 30+ letter that I have used to send XXXX and XXXX XXXX This letter goes over every possible error that I thought I could find, that is causing great harm to my person. I've included proof behind every error. I've sent it to each credit bureau so they can all correct the errors. My intention is to pay all my debts, remove any negative nark against my name, and protect my identity. I also give Equifax and Transunion any Authorization again CFPB be my witness. I will include all copies to identify me. 1 See, e.g., 15 USC 1681e ( b ) ( requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual about whom the report relates ) ; 15 USC 1681i ( requiring a consumer reporting agency to reinvestigate upon receiving a consumer dispute ) ; 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting a furnisher from furnishing information that it knows or has reasonable cause to believe that the information is inaccurate ) ; 15 USC 1681s2 ( a ) ( 1 ) ( B ) ( prohibiting the furnishing of information where the consumer has notified the furnisher that the information is inaccurate and the information is in fact inaccurate ). https : XXXX
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MO)

Accidently deposited XXXX to XXXX  address on binance.us created ticket XX/XX/XXXX to have binance recover the XXXX and either send it back to sending address or credit it to account as XXXX. Ticket # XXXX. XXXX replied to ticket and said it was submitted. However on Tuesday XX/XX/XXXX the ticket was closed for comments and had been marked as solved since XX/XX/XXXX even though funds have not been restored. A new ticket # XXXX was made in place of old one. I have heard from others who have had a similar issue on a later date that their problems have already been resolved so I can only assume my ticket was ignored when closed.
Consumer complaint received 2022-07-25
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I do not own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. 

A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION BETWEEN ME AND THEM
Consumer complaint received 2021-04-03
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: AMERICAN EXPRESS COMPANY (NC)

I bought XXXX XXXX tickets for my elderly parents in XXXX of XXXX but the Airline cancelled the flight because of Covid without reimbursement. I filled a dispute with American Express and everything got resolved. But then in end of XX/XX/2020 I say a back charge of {$1600.00} on my statement, I reached out to American Express and they told me that it was from the dispute back in XXXX and somehow they did there audit and find out. 
I think it is unfair to me that when the dispute is once settled and I have moved on and then I get this surprise back charge from my credit company because they made a mistake somewhere.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed my dispute letters to the credit bureaus XX/XX/2021. It has been more than 30 days since then no dispute results yet. This is a violation of my rights and these negatives account need to deleted.
Consumer complaint received 2020-11-26
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. (TX)

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.
Consumer complaint received 2022-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

my identity was stolen on or around XX/XX/XXXX, XXXX someone used my capitol one account to buy gift cards then tried to use them to pay account. Someone was using and paying the account and payments were being reversed. Causing me to lose both of my capitol one credit card accounts.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (SC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OH)

On XX/XX/2021, I received a notice from Santander Consumer agency regarding a pending repossession.

I have attempted to reconcile this debt within their Co-vid 19 protections but it has been to no avail. 

These are the key points of my response. 

-Santander has violated the law per 15 US Code 1635 by not disclosing my right to rescind this transaction. Also, by using my credit report to coerce payment and as such you have violated FDCPA 806 harassment and abuse. The representation or implication that nonpayment of any debt will result in the seizure or garnishment of any property or wages is unlawful for any creditor or debt collector.

-Furthermore, upon purchase of the vehicle I was given a credit application not a loan application.

-There should be no cash involved in a consumer transaction. This lending company has been charging me monthly payments and interest rates ( finance charges ), all of which need to be returned to me.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I entered into the mortgage forbearance plan that was offered due to covid with the understanding that payments Miss would be added to the end of the loan. At the end of the program I was sent a letter asking me to agree to the new terms that did add the paymentd to the end. I signed and mailed back with a payment. After a few days, I checked my account online at spservicing.com and the payment had not been posted. Plus, the website did not allow me to make my a payment. I called to ask that the issue gets fixed. The representative told me that the reason my account was on hold was that they did not receive the letter that I sent them back I signed for the new payment arrangement. They said I should email it so that they could get it right away and that the were going to stop the foreclosure process. I did not even know that they had listed my home to be auctioned this month. That explained why I was getting excessive amount of investment home buyers wanting to buy my home sending me mail, calling me, texting me, and even people knocking on my door asking me if I would sell them my home. 

I proceeded to scan and email a copy of the signed agreement on the same day. I then waited a few more days hoping that everything would be back to normal and that I could make a payment through their website the same way I had been doing for several years since I refinanced with them, but nothing had changed. I then called again and then the representative did confirm that they received my signed agreement by email but said that they were not going to accept it because it was received passed their due date. I explained that the previous representative did not notify me of any issues and told me that everything will be alright as long as I emailed them the agreement. After speaking with this representative for an extended period of time and asking them to get me in touch with their supervisors they did not change their negative statement. They only said that they would send me a new application to see if I could qualify for a loan modification I found this to look like a scam since they were not honoring the mortgage forbearance plan that the government said that they needed to provide. A few days later I received another letter telling me that my only options would be non-retention options. The options consisted of a short sale or a deed-in-lieu of foreclosure. I am not in agreement with either one of those options. I am prepared to make the mortgage payments I used to do before the covid forbearance or better. 

I believe that the actions they are taking are predatory since my home has a good amount of equity. I need some assistance talking to these people to put the loan into a normal status and so they don't take my home from my kids and me. 

Thank you for your help Select Portfolio Servicing Account # XXXX XXXX
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc (FL)

I have an old collection that was opened in 2014 with Hunter Warfield. I tried in passing to correct this debt but the company was very rude and laughing in the background. The debt accrued over {$2000.00} in interest over the years. ( now over {$8000.00} ) This debt has to do with apartment complex years ago. ( XXXX XXXX XXXX ) There was an eviction on my record that has fallen off. A new company has taken over and recently this year put it on my credit report as if it were a new account. Ive done a lot of research on this and it is very much illegal. They have threaten to garnish wages from my bank account as well which is also illegal. I have worked very hard on my credit and feel that this is very unfair to act as if this were a new charge and to bring my score down way low when trying to buy a house.