davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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: FIRST HORIZON BANK (NC)

I must have co-signed for my daughter in 2015 for a First Horizon Credit card. I do not remember and when she asked she said they do not show me on the account. I have sent an email previously with no response. I keep getting notifications of my credit score being affected by late payments to a credit card I may have co-signed with my daughter five years ago. I have not received one notice of late payments. I had excellent credit prior to this. I would like this taken off my credit report. Through Covid and odd glitches on First Horizons end this account as well as the checking account has gotten really messed up. The account has a hold on it so no online payments have been allowed. Calling the number on the back of the card they tell you to go into a branch. The branch says call the number on the card. My daughter has been given the run around and been charged all kinds of fees she shouldnt have. She has been treated like someone that does not deserve any respect for no other reason than perhaps the fact she does not have a lot of money!? I would like to straighten this out for her. I dont have the account number because she wants to fix this herself but if my name is on the account I should be able to access this to rectify it. This has gone on for months, hopefully someone can help us once and for all. Strangely enough a branch called her in  yesterday asked for her Id and debit card no explanation and dismissed her. It should not be this hard for someone to take your money! Its not even that much that is past due but it has seriously damaged my credit.
Consumer complaint received 2020-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX XXXX XXXX XXXX XXXX 2. ) Cap One 3. ) Capital One
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I discovered an unknown collection account on my credit from a company called XXXX XXXX XXXX Account Number XXXX alleging that I owe a debt to XXXX  XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called Portfolio Recovery associates. 

Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.
Consumer complaint received 2020-05-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation (FL)

On XX/XX/XXXX I emailed a letter to my quick wallet to revoke ach authorization and also a do not call me at my employer 's. Due to COVID19 my hours have been reduced and my ability to pay has been affected. My quick wallet has since called my job twice and is threatening to continue calling if I dont make a payment. My employer has expressed these calls are not acceptable and I have received two warnings. I have tried to explain my situation and as soon as I am working fulltime I can start making payments again.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2020, I took out an auto loan with Ally Bank XXXX, XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. Ally did a credit check which lowered my credit score. However, I have made 3 payments, all on time, yet as of today, Ally has not reported my on time payments to any of the three major credit bureaus. I truly believe, if I had failed not to make my payments on time, Ally would have promptly reported this negative information to the credit bureaus. For example, my XXXX payment is not due until XXXX, 2020, yet I made my payment on XX/XX/2020. In an effort to resolve this matter, I called Ally on XX/XX/XXXX, and emailed my complaint to them on XX/XX/2020. They have failed to respond. I called them back today and I received no answer as to why my account has not been reported. 
I am in the process of trying to qualify for a much needed mortgage for my family during these very trying times. Therefore, I am requesting CFPB help in forcing Ally Bank to do the right thing and immediately report my account to the three major credit bureaus. Their accurate reporting would help raise my credit score which could provide me a lower mortgage rate, which in turn will provide some much needed financial relief to my family.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (SC)

So I had a personal account with PayPal for years. I just upgraded it to a XXXX  account over the last few months since I never had a problem with my personal account. Prior to doing my XXXX  with PayPal I was having my XXXX  send payments by cash app. When I had the chance to upgrade my personal account to a XXXX  account I agreed because I felt PayPal would be the more secure way. On XX/XX/2021 I received a email saying my PayPal account is locked and I cant have access to my funds for 180 days. How is that even legal? Well I contacted PayPal and no one could explain to me why my account was locked/closed, just that I violated a rule but unable to tell me what rule. Well I have clients that paid me to repair their credit and Im unable to access any funds.
Consumer complaint received 2020-05-11
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. (WA)

I have an account on my Experian Credit Report that is inaccurate. It states that in the years of reporting the account, in ONE MONTH I was 90 days late. All months before and after were " on time ''. That is an impossibility. I have disputed the entry, and Experian stated they would investigate. I was told later that the investigation consisted of Experian asking the creditor if they were " sure '' about it. Of course they came back and said " YES '' ( so Experian says ), although the other two major credit reporting bureaus removed the entry. I asked for another investigation thinking Experian would take the investigation to a new level, but no ... they just asked the creditor again ( so they say ). 
Now they won't even listen to me, and they are spreading misinformation about my credit worthiness because they won't do a proper investigation. Can you please help me?
Consumer complaint received 2020-05-12
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-05-12
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. (WA)

To Whom It May Concern : I disputed a tradeline from XXXX with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KS)

There was an overpayment made on an XXXX account I had with Midland Credit Management. To that effect, Midland Credit Management sent me a statement last month that shows I have overpaid them in the amount of {$140.00}. However, the company has never issued a refund check. 

What's worst is when I contacted them today, their representative 's attitude seems to be, they will sit on the money for as long as they want. 

This money is not there, they have no legal right to keep it, and they are blackmailing me in an attempt to make me pay on another issue using the {$140.00} overpayment as bait. 

This is an example of the worst kind of business practice. Not only is it unethical it is illegal and quite frankly the CFPB should be ashamed. This agency was created to prosecute bad business practices. Instead, under the Trump Administration, it seems to be a placebo in an attempt to appeal to voters by saying they are doing something while they are actively doing whatever they can to benefit these bad business actors. Frankly, if someone were to use me that way, then they should at least buy me dinner first. 

Midland Credit Management has 48 hours to cut a refund check to me for the {$140.00} overpayment or I will file a lawsuit!
Consumer complaint received 2023-02-11
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. (TN)

SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX 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 2023-02-11
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. (TN)

SEE ATTACHED DOCUMENTS In accordance with the Fair Credit Reporting act XXXX XXXX XXXXt # 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 2020-05-11
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2023-04-03
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 (IL)

On XX/XX/2023 I received a call from Wells Fargo XXXX department. The person who was on the other line said my account was compromised and there was a transaction made the previous day in Alabama for {$320.00} for a flight ticket and an XXXX purchase {$80.00} and an XXXX for {$30.00}. I obviously told the person on the line that it was not me. They then continued to ask me if I would like to cancel my card, which I said yes. They then read back my information, all my personal information, my account number, card number, last four of my social, my email, etc. So I thought it was legit and that this was the bank because the number they called me on was the Wells Fargo fraud number. They then sent a text through Wells Fargos number and told me to read back the number as it was for my claim. I read the number back and they told me not to look on my account for 24 hours due to the incident. I called my mom and told her what happened and she said it was fraud. I then checked my account and the hacker who was using Wells Fargo then proceeded to take {$2000.00} from my account. I called the bank right away and told them what had happened. They opened a claim and I filed a police report. Around 2 weeks later they denied my claim, saying I approved that transaction by reading the claim number. The people who hacked me, which I talked to the bank about, was a money transfer to the XXXX. The bank cancelled my card and issued me a new account number and card to which the people who fraudulently got me the first time wouldnt get me again but they have still been calling me to this day with my new account information trying to get me a second time. I told Wells Fargo about this and they are choosing to ignore the fact that my information is still being compromised. Wells Fargo sent me a letter saying they were sorry I experienced fraud on my account. So they have acknowledged that this is a fraudulent transaction. Yet they still refuse to refund my money. Can you please help me! I am a young lady and im working full time making less then {$600.00} every 2 and a half weeks and this was all the money I had saved. Please help
Consumer complaint received 2020-05-11
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 collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-11
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. (CA)

I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

I am trying to pay my monthly mortgage bill. It is due on the 1st of every month, but there is a 15 day grace period. 

When I log in and choose to make a direct ACH payment, it does not show that I owe a late fee. But instead, shows that in order to make a one-time payment, I must pay {$10.00}. There are other ways I can pay for free, like mailing a check or using their mobile app on or before the XXXX. But to pay over the phone or online through their portal costs {$12.00} and {$10.00}, respectively. 

My problem with this is it's dishonest. If there is a fee simply to pay your mortgage, it would be en force at any time you pay. This is essentially a late payment fee without being named as such. I've never had to pay a fee to pay my mortgage, and I've been with about half a dozen mortgage companies since 2008 thanks to them being continually sold to other companies. This is by far the worst service provider I've had. 

Please see the attached documents. It shows the ways you can pay without fee, and once you go through to the one-time payment screen, it shows the draft fee schedule at the top. On that one you'll see the box for " late fee '' is zero. The company is essentially levying a late fee but calling it something different to get around federal regulation.
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (AR)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX