davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (CA)

I have tried numerous times to have this fraudulently applied account with my pertinent information resolved. I have sent an identity theft report through the FTC and have received a letter with negative feedback from Aspire Credit Card Co. stating that after a review of all relevant documentation available from their records, merchants and other information that I have been found responsible for said account. 

Letter states that when I called to dispute this credit card account that they match my telephone number to the telephone number used to activate credit card as well as address on account being my address. This is an absolute fallacy and I demand to view proof of all documents that they are claiming to have proven this account to be mine. That would include the original application to the account, place of employment, phone numbers and signatures to obtain credit. 

It stands to reason that when disputing I would use my actual phone number as well as actual address to verbally dispute and send documents for some resolution for this fraudulently open account.
Consumer complaint received 2021-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I am Unable to log in to their website to make a payment ( XXXX ) Tried to call support on XXXX and XXXX and never get to talk to a Human. The automated system does not recognize my loan number or social security number, so I am not able to go further in the process to make a payment. I also sent a email and have not heard back yet either. Payment is due on the 1st and it is very frustrating that I am unable to to get ahold of the company to pay.
Consumer complaint received 2020-12-01
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

I have a bill pay program through my bank that I have been using for years. The credit card that I am having a problem with I obtained through my XXXX XXXX office to pay for my XXXX XXXX. 

Using my bill pay program through my personal bank, I have the option to put the payment on autopay. The bank automatically sends my payment out to be received by the biller the same time every month for the same amount of money. I currently pay {$200.00} a month to arrive by the XXXX of the month. I have been making payments to this biller for a couple of years with no problem. Since I pay my bills using my bank, I can get printouts of my payments if needed. If the payment date falls on a weekend or holiday, my bank will automatically adjust the date to have the payment arrive on time. I have not had a problem with this biller or any other biller I pay using this program until two months ago. From the credit card company I got a larger minimum payment amount and a {$40.00} late fee. They stated the payment was 9 days late. We had a 3 way conference call with my bank and they only agreed to remove {$15.00} of the late fee. The bill I received this month shows they put the {$15.00} back on the statement and charged another late fee for the bill being 6 days late this time. When I call them they have no explanation as to why this is happening. I told them nothing has changed on my end so why are these problems happening now? They don't know. I changed the due date on my bill pay program to the middle of the month to arrive, I hope, by the first of the month. I can not resolve anything with these people and would like to know what I can do at this point. I don't want my credit messed up because of this.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I checked my credit, which dropped to XXXX points. In the XXXX report, I called about it, and they stayed that it could happen. I have been working on my credit, and it has improved. What is going on now? 

I do not understand the problem. Please help me to understand the problem.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moiharwin Diverisfied Corporation (NV)

This company contacted me XX/XX/21 at XXXX from XXXX ( XXXX ) XXXX. The representative addressed me by my first name and did not verify any information before disclosing any potential debt. She stated she is calling about the debt owed to XXXX XXXX XXXX XXXX Nevada. I stated that I owe no such debt and to mail a verification letter to my mailing address. The representative accused me of owing the debt and stated the debt has been verified. I disconnected the call. 
This representative is pursuing me for a debt I 1 ) do not owe and 2 ) didnt have my complete identity to disclose the nature of such debt.
Consumer complaint received 2020-12-01
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. (LA)

On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of XXXX Data Breach. I want all the account will removed ASAP or I will file a litigation.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

I lost my job due to the COVID-19 pandemic. XXXX XXXX County and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are XXXX people in our family me my wife and our XXXX kids. we have no money and our mortgage company harassing us regards monthly payment, they are loan sharks and don't care about anyone beside money. We asked forbearance they give only 6 months after that they ask us to pay upfront fee {$8400.00} and monthly additional {$1500.00}. which we don't have. we get {$700.00} monthly food stamp and {$230.00} unemployment almost over. i am trying to find a job but no luck.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IN)

I attempted to make my monthly payment on XX/XX/XXXX from my linked XXXX account. I received a notice that the payment was returned but with no explanation. I attempted again the next day to make a payment from my linked bank account and it was returned. I called and spoke to customer service and they said it was an unknown error and suggested I unlink/relink my XXXX account. I attempted to do so but couldnt get them to link back up. Another strange error. The late fee was waived but no explanation of why the payment was being returned. I finally just used the IVR phone system and paid. While it was a different account I still never received information as to why my attempted payments were reversed. 
I then received a letter from PayPal credit on XX/XX/XXXX stating they were asking the credit bureaus to delete any delinquency from XX/XX/XXXX - XX/XX/XXXX. Ive never been anywhere near 30 days so Im concerned why I was receiving this letter.

I then accessed my account today and there is a statement on the app saying my PayPal Credit account has been closed. There has been no notice or other information provided as to why this occurred.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-01
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. (GA)

I pulled my credit report and I saw XXXX collecting for XXXX  XXXX  XXXX two companies that I have never done business with. This is result of identity theft and I would like it handled immediately
Consumer complaint received 2022-07-18
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. (NY)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$620.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX withdrawal made from my account at Capital One to XXXX XXXX XXXX. According to XXXX XXXX XXXX this was rejected and returned to Capital One.Captial One claim no knowledge of this and are unable to give information on this. They are also extremely difficult to contact. Copy of letter from XXXX attached.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (MD)

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. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXX-Account number # XXXX XXXX  XXXX -- Account number # XXXX XXXX-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX XXXX XXXX. XXXX # 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 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 2020-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On day one i am contacted by the scammer via XXXX saying that he has got an employment offer for me. He talks and behaves like a hiring personnel, asking me questions similar to interviews. Later he says that I am hired and now the company will send me a check which will have a partial amount as my sign up bonus and another amount is supposed to be sent to vendors who will provide me with my work from home equipment. ( total check amount was {$3900.00} ) On the second day, I receive the check and as usual I go ahead and deposit the check using a mobile deposit method. Now, as per the bank procedure, the balance is made available on the third day. Then after the balance is available, the scammer again asks me to make the disputed transaction via XXXX ( {$700.00} XXXX and XXXX ( $ XXXX {$1500.00} ). I follow innocently. 
On the fourth day I received a notification that the check had been returned and so I contacted the scammer again to know what went wrong. I am not given a fruitful explanation and rather I am told that I will receive another check to compensate for the inconvenience. 
This is the whole scene. For your reference and as a proof, I can also attach the XXXX  chat backup which I took. Please be considerate enough to look into my case. I am an XXXX  XXXX  here and this is something very scary. I request you to please be lenient and help at your best.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

There is a collection account from CMRE that was opened XX/XX/2020. They have placed a note on the account that this was " reaffirmed in bankruptcy. '' I have never filed for bankruptcy. Ever. 
Some additonal info below : {$340.00} IN COLLECTIONS CMRE XXXX ACCT XXXX XX/XX/2020 LAST TIME REPORTED
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to apply for a refinance with Wells Fargo. I have had my loan with them for almost 20 years. I have excellent credit, excellent payment history, and a permanent job. The first application was denied because they claimed a 10 year loan wouldn't benefit me but provided no details as to what that meant. The rep said a 15 year loan would be approved. All throughout they have continued to request documents- the same ones repeatedly. They also continue to ask for additional random documents. They have continued to delay the process because they do not want to give me a lower interest rate. They have run my credit report FOUR TIMES. They charged me twice. Now they want a letter explaining why I have so many credit inquiries when all four of them came from them!! They also want my tax returns for three years. It was an additional form I had to sign for. They recently created a covid form that even my rep had no idea what that was. Another purposeful delay. They want my HOA information even though I don't have any HOA on my home and never have. It's additional documents and additional delays but no rational reasons. They also want information on one of my retirement accounts. I actually have six retirement accounts, but they arbitrarily want information on one of them, which has nothing to do with a refinance. The rep tells me that this is the normal process but I find that hard to believe when he's not even sure why they are making so many requests. They claim that the home equity loan that I have has been suspended and they want me to write them a letter explaining why. It's not suspended. I used all the money and am now just paying it all back. It's roughly {$20000.00}. 
I know that I am not the only refinance complaint. Many of us are being delayed and denied refinancing for a lower rate by Wells Fargo. Home loan applications are not enduring this. Had they not created so many inquiries on my credit report and taken {$32.00}, I would walk away silently into the night. Now I can not.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (TN)

I received my credit report and found an inquiry on my Experian report. The company that inquired was Clarity Services on behalf of XXXX XXXX. I have never heard of XXXX XXXX or ever applied for credit with them or any company they are associated with.
Consumer complaint received 2022-08-20
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (SC)

I have reached out to Experian, XXXX, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I reached out to Transunion to dispute some fraudulent active on my credit report. There are 35 hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in XXXX XXXXXXXX XXXX Bankruptcy that was filed on XX/XX/XXXX. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on my credit report.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX XXXX XXXX and XXXX XXXX XXXX credit card
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc. (GA)

Dyck O'Neal is a debt collection for XXXX XXXX. Dyck O'Neal is reporting eight times on my XXXX when there is only four accounts. They are also reporting different amounts on my XXXX it says I owe {$0.00} and its not in a collection status when it states that it is. They made XXXX score drop significantly by reporting double four in collection four with regular accounts that are not in collection showing eight open accounts. This company is presenting fraudulent activity. The original company was paid off. I do not owe Dyck O'Neal. They need to be removed from my credit report due to fraudulent and inaccurate activity.
Consumer complaint received 2020-12-01
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. (TX)

I have sent in multiple rounds of dispute letters to TransUnion in hopes that they would rectify the inaccuracies, inconsistencies and violations reflecting on my credit report, however they did not.