davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

They didn't get me logged in, I have called and called multiple times. That temporary password NEVER worked ( THE TEMPORARY PASSWORD WAS TO READ A MESSAGE, not to loggin ), they have not given me my username. Also they just gave sent a delinquent payment to the credit bureau. They have done nothing except laugh at the US government. I have called and spoken to multiple people to get this information and no one at TD bank has helped. I haven't seen a statement either, they stopped sending them to my house address. 

I want my username, I want to make a new password, I want an apology from TD bank, I want that delinquent payment taken off also. I will pay the minimum when I can log-on to my online account. I want a person from their tech department to call me and give me my username and they send me a link to my email address to make a new one. 

Also CFPB how about you contact the person with the complaint before you close the case. they have done nothing at addressing the real problem.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (MI)

Getting married XX/XX/2022 at XXXX XXXX in XXXX, MI. Was working with my event planner at XXXX XXXX and discussing final payment of Venue. This was all done via email. Her email address is XXXX. I told her I would be sending a certified check. Later in the day, I received an email from what appeared to be her with wiring instructions. I didnt think this was odd as I wired my initial deposit to her. I went to bank the next day and made the final payment of {$39000.00}. XXXX mentioned no receipt of funds. When looking at things further the email that sent me wiring instructions was XXXX. The XXXX  was from the hacker. Bad guy got my entire savings for wedding. And now Im scrambling to make sure I still can have a wedding.
Consumer complaint received 2019-10-28
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 just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

On XX/XX/XXXX my bank ran my credit report and I showed a {$490.00} collection owed to Wakefield Collections Company. I contacted them and they stated I owed {$490.00} to an ER physician ( XXXX XXXX ) for an ER visit for my son on XX/XX/XXXX. 

I told them I pay my bills so if I received a bill I would have paid it and most every year by XXXX my deductible has been met so my insurance would have paid it or at least 85 % of it. 

I contacted my insurance company and they stated the Doctor never submitted this claim to them and 6 years later it is too late for them to pay it. 

I contacted Wakefield and let them know my insurance would no longer pay it because it is too late. Wakefield stated they did not care and it is my problem.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-07-10
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 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 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 an account without my written instructions
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Date is XX/XX/2019. This Forever 21 account was a {$15.00} charge that the company billed us double. We paid the amount owing in a timely fashion and they indicated it would be fixed. They never notified us to let us know the account was not corrected. They also never took the proper measures to let us know that they were reporting me late on my credit report.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

PHH Loan # XXXX I applied for a disaster forbearance XX/XX/XXXX due to the winter disaster of XXXX. I was approved for XXXX, XXXX & XX/XX/XXXX. I paid all. Than rolled over to a temporary loan mod for XXXX, XXXX & XXXX, XX/XX/XXXX sending my Quitclaim Deed with all filings. I paid all. Filed all of the paperwork in XXXX for a loan mod that started in XX/XX/XXXX with first payment XX/XX/XXXX. I was approved. I have been paying {$2100.00} ( amount of temporary loan mod as well ) for the loan mod monthly. I was told at the end of XX/XX/XXXX that my signature did not have my middle initial on said loan docs. I sent in ( notarized ) documents with middle initial XXXX XXXX. I was once again told that it was approved by my case manager. At the end of XX/XX/XXXXI was told that PHH had not received my Quitclaim Deed. I had sent a Quitclaim Deed with every filing. I sent another copy and PHH found the 1st & 2nd copy in the file during that phone call. I was told today XX/XX/XXXX that my documents were not approved because PHH does not accept Quitclaim Deeds any longer for Loan Mods. I have called PHH every week asking for my documents and was assured that my loan mod was approved but that my documents were not ready for sending out. At no time was I told that PHH had changed the procedures of not accepting Quitclaim Deeds until today. Nor was I told that my Loan mod did not go through until today. I have repeatedly asked for my case manager to call me without return phone calls. I left a message today for his supervisor but as of yet I have not received a phone call back! Please help!
Consumer complaint received 2022-04-25
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. (MN)

I called XXXX XXXX XXXX and asked for amount needed to pay off the loan which I owed them. An amount was provided for which I agreed to pay them off. XXXX XXXX XXXX requested that I bring a certified check in order to pay off the balance. I complied and in my view, all went well. Thereafter, I noticed that my credit score dropped by over XXXX points instead of rising. On verification, I was made tom understand that XXXX XXXX XXXX reported to the credit bureaus that I had settled the debt for less than full amount. XXXX XXXX XXXX explained that there were accrued interest which was deferred in the past and needed to be paid. Long story short, I explained to them that there was a communication problem, and as such, my request was either not well understood or I did not understand their explanations So I wish to pay them all their money because I need to clear my record in order to apply for financing for an industrial project. I had paid off the amount asked of me, and the {$900.00} remaining was not an issue. I want to pay it off as well so my record could be clean. 
XXXX XXXX XXXX has refused to do anything to correct this. I need them to collect their money and report it to the credit bureaus as paid in full - being what I was assking from the beginning. 
Please, step in to assist me to correct this. I have the funds to pay their money in order to free me proceed me with my life.
Consumer complaint received 2022-04-25
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: General Motors Financial Company, Inc. (FL)

Over two years ago I contacted XXXX regarding my account with GM FinancialXXXXAmeriCredit that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to GM Financial/AmeriCredit . Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit. 

I paid GM Financial/AmeriCredit every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with XXXX and GM financial about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both XXXX and GM Financial/AmeriCredit and there was nothing I could do but continue to suffer the consequences of the negative reporting. XXXX reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year XXXX was reporting 3 more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does XXXX get paid more for allowing creditors to do this? This is wrong and unfair. 

And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.
Consumer complaint received 2019-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

I received a letter from Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX , TX , about late fees on my account total {$250.00}. Mr. Cooper do not have a problem withdrawing my mortgage from my bank account every month on time since XXXX, XXXX, now the company is complaining of late fee I need to pay. I am confuse how this company like to complain about late fees when they are receiving the mortgage payment every month on time. I do not trust Mr. Cooper. 

I work everyday, I pay my mortgage on time every month, and I am near retirement, I need no one complaining about late fees put on me to pay, I'm stuck with this company for some years. I wish the company be investigated taking advantage of the consumers. 

Mr. Cooper have no problem receiving my mortgage during XX/XX/XXXX, in XXXX the company start complaining about late fees also, withdraw mortgage from my account on time, in XXXX complaining again about late fees and did withdraws from my account for mortgage on time. My payment are put into the system every two weeks on time and the mortgage company receive on time.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MA)

I physically have the card in my possession. 

XXXX  has confirmed this was a fraudulent transaction and forward the invoice confirming fraud/identity theft. 
Received 3 phone calls and 2 text messages from : XXXX Saturday XX/XX/XXXX @ XXXX " Hi this is XXXX XXXX calling from XXXX  regarding your refund request. Once you see this message kindly call back. '' Saturday XX/XX/XXXX XXXX sent a link to an application that would give them access to my cell phone and tablets. 

Serve has enabled idetity theft and is now enabling the sammers and id thefts to obtain my personal information and they are now contacting me directly with more scams as shown above. The number is a XXXX  number and not anyone associated with XXXX. 

I purchased this card in-store at XXXX. I did not use this card after I purchased it, I did not authorize anyone to use the card and I did not give the card details to anyone. XXXX has acknowledged that this was a fraudulent transaction and opened their own fraud investigation case. They also provided the invoice of the transaction. My identity was comprised and my money was stolen by this individual. I have my own XXXX XXXX ; why would I go to a store to buy a pre paid debit card to make an online purchase at XXXX when I can simply log into my account and use my credit card? I do not live in that state, that is not my name and I have the physical card in my possession. This was fraud and you have been made aware of this fraud. Please see attached invoice for proof I did not authorize anyone or make this transaction myself. I do not know the person listed on the invoice and i did not give them my card details or permission to use my serve card. 

Web order # XXXX : XXXX Card was purchased in-store by me at XXXX  XXXX XXXX XXXX XXXX XXXX Ma XXXX XXXX XXXX @ XXXX on XXXX XXXX, XXXX 

Serve  was notified of this non-authorized transaction at XXXX on XXXX XXXX, XXXX Serve has provided false information and failed to provide any evidence or proof that this transaction was authorized. I have submitted the physical card, the store receipt, the XXXX  invoice and my statement that i did not make this transaction nor authorize anyone to make a transaction. Serve  has not contacted XXXX  or attempted to prevent this from happening in the future. Serve has not provided any evidence in an investigation and has failed to be unbiased when reviewing the documents I have sent. Serve is either profiting off id theft or their employees are actively a part of the scam.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I just checked my credit report today and noticed a delinquent account that I have no idea what its for. The debt collector is Fair Collections & Outsourcing account # XXXX in the amount of {$3900.00}, original creditor is XXXX XXXX. The account is as opened XX/XX/2018.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (TX)

I inquired about a debt reporting on my credit report. I have reached out asking for documents stating the debt I owe. I have not been provided any documentation. Instead I was given a copy of an affidavit stating Persolve Legal Group purchase debts from XXXX. I am requesting again a copy of the debts that you say I owe, a copy of the contract with my name & signature, and a copy of a 1099c if applicable. You are reporting false information on my credit report which is damaging my credit report. Also, you are reporting late payments for a debt I do not owe you. Please provide the agreement I made with you.
Consumer complaint received 2018-12-18
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: AES/PHEAA (PA)

XXXX has been non-compliant with removing the unverified account PHEAA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PHEAA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-15
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. (FL)

XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (FL)

XXXX. Received phone call from Atlantic Recovery Solutions. They stated that I owe debt to XXXX XXXX with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX XXXX card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to XXXX XXXX why was I never contacted about this debt since its from XXXX and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

Date : XX/XX/2019 Amount : {$900.00} Filed FTC report and contacted original creditor
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to my credit report.
Consumer complaint received 2021-12-07
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: SYNCHRONY FINANCIAL (TX)

There are fraudulent accounts and inquiries done in my name i was mugged at a XXXX the jacker took my purse with my bill folder inside along with my driver license and social and the fraudster opened up accounts in my name and used fraud addresses in order to obtain credit in my name I have tried to resolve the issue with the merchants but i was not successful.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX  card from Bank of America for California XXXX XXXX was stolen and being used before I received it. I have never received a card. Per BOA, it has been processed XXXX sent XXXX on XX/XX/XXXX, activated on XX/XX/XXXX and started being used on XX/XX/XXXX ( total of {$5000.00}, 5 different occasions XXXX via ATM. I filed claim to BOA for full reimbursement and filed to XXXX XXXX Police department for Identity theft and forgery and today, XX/XX/XXXX.