davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PNC Bank N.A. (VA)

US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (UT)

I pay for XXXX XXXX XXXX through Experian and when I pull my report i get a XXXX score, then I go to buy a car and the dealer pulls the same Credit report from Experian and they get a XXXX score. The information belongs to us and I am paying for the service just as the car dealer, but they get a report with a credit score about 100 points higher. Why should I not get the same score.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

About a month ago, early XXXX XXXX, XXXX XXXX started reporting to the credit bureaus that I owed {$51000.00}. I immediately contacted them, could not get a human on the phone, and never did receive proof that I owe them money. 

They have never contacted me personally -- ever. 

I ended up contacting the Credit Bureaus. They were able to see it was for a student loan from XXXX. I graduated school in XXXX. We placed a identity theft alert on my accounts. I 've had all the company start researching this account. 

Since then, every week the company raises the amount I owe by $ XXXX {$30.00}. It 's very arbitrary. I still can not get a person on the phone.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (FL)

I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. 
The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
Consumer complaint received 2017-09-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I sent a validation of debt to Wells Fargo about my auto loan that was charge off I was inquiring about the amount and etc. Wells fargo recieve the valdation letter XX/XX/XXXX on XX/XX/XXXX I recieve a letter stating they will get in contact with me nothing validating the debt so I sent a second valdation on XX/XX/XXXX letter giving them 5 business days to valdate the debt the receive the letter XX/XX/XXXX. It is pass the 5 bussines days so I ask them to remove the debt of my credit which they fail to do
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

Money orders were stolen from our office in XX/XX/XXXX. I contacted Western Union customer care and was directed to file an online Payee Affidavit for each stolen money order and submit it through the mail which I did. After calling Western Union several times I have yet to receive an answer as of XX/XX/XXXX as to the status of my stolen money orders totaling more than {$10000.00}.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I paid this 2012 debt off just to remove it from credit reports yet it remains as a negative mark on my credit. The debt was paid online as I was told it would be removed from my credit report quicker this way and I have the deduction for the exact amount ( {$210.00} ) on my bank statement. I would like this negative debt removed from my credit so I can have a score better reflecting my current situation.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Around XX/XX/XXXX I mailed a request to Experian to remove the fraud alert, extended fraud alert, security freeze, and promotional blocking from my credit file. After not receiving a response I filed case XXXX with the CFPB. Experian responded that the freeze was removed ; and it appeared the fraud alert was removed at that time as well. 

Experian has reinserted the fraud alert, extended fraud alert, and promotional blocking to my file without my consent.
Consumer complaint received 2023-05-08
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-05-08
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Loan Type : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Type : Charge Account Balance : {$0.00}
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Re : XXXX XXXX store credit card account through Comenity Bank, interest-free promotional plans. 

On every Comenity Bank XXXX XXXX monthly statement are these instructions : " You must pay your promotional balance of $ XX in full by DD/MM/YYYY to avoid paying interest. '' If you follow those instructions provided by Comenity Bank XXXX XXXX on your monthly statement " to avoid paying interest '' and you have more than one promotional balance, you will definitely NOT pay off your balances in time to avoid paying interest. Those instructions are totally false and misleading. 

When you send in a payment on your Comenity Bank XXXX XXXX account, even if it is above or in addition to the minimum monthly payment due, they split every payment among any other promotional balances you have. 

For example, if my Comenity Bank XXXX XXXX statement says I have a promotional balance due today of {$100.00} and I send them {$100.00} today, I will NOT avoid paying interest on that promotional balance if I also have another promotional balance ; they will split that {$100.00} among any other promotional balances I have. 

If I want to pay off the {$100.00} on that promotional balance due today " to avoid paying interest, '' I must actually send Comenity Bank more than that. Comenity Bank does NOT explain this anywhere on the monthly statement. I would have NO way of knowing how much money I actually need to send today to pay off that {$100.00} balance. 

There is nothing on the monthly statement explaining this allocation of payments in general. Furthermore, if customers who have more than one promotional balance follow the instructions that are provided by Comenity Bank on their monthly statements, none of them will ever receive the promotional " offer. '' Comenity Bank is offering interest-free financing and appears to be providing misleading instructions which can actually ensure that customers will not benefit from it. Appalling.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

We attempted to sell our home in a short sale. On XX/XX/XXXX, Shellpoint Mortgage informed us that our short sale was approved, with an offer price of {$500000.00}. Due to an issue with junior lien payoffs, the approval letter expired, and we were forced to start the short sale process over again in XX/XX/XXXX. After several months of back-and-forth regarding a document that Shellpoint had originally approved, but later demanded needed repeated conflicting edits, we were informed that all documents were submitted into the file. Shellpoint then told us that while we were working on the edits to the document, the broker price opinion had expired and needed to be renewed. They then told us that the BPO came back with a value of over {$640000.00} - an increase of {$130000.00} in four month 's time. We sent in a value dispute and they refused to review it. They are now setting a foreclosure sale date on the property. We reviewed the BPO and found the comps to be questionable in that there were several comps in the area that presented a more similar and accurate representation of the value of the property, which was closer to the originally approved offer price. We believe this is an attempt by Shellpoint to manufacture a reason to decline the short sale to take back the property, and/or a lack of due diligence on their part.
Consumer complaint received 2016-06-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

I took out a personal loan with Wells Fargo XX/XX/XXXX. I have several issues with the bank, which continue to be unresolved. So I will address only one issue at this time. My monthly payment is {$210.00}. Enclosed, please find that on XXXX/XXXX/XXXX, a payment was made and the entire payment of {$210.00} was applied only to interest. In addition, the balance never decreased due to this mistake. It still appears as {$5000.00}. The bank agreed to correct the mistake, but then changed it back to the original error. I am asking for assistance with the banks error. Thank you.
Consumer complaint received 2023-05-08
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-05-08
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I applied for my annual credit report online through the FTC official website at XXXX and the three credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-charges by two institutions for a subsidize and unsubsidize direct loan, perkins loans  plus there suppose to be in deferment status and XXXX is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involves two financial institutions that serviced the student loans XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.
Consumer complaint received 2023-05-08
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I was sued by XXXX XXXX, XXXX for a time-barred debt for the amount of {$4900.00}. The last payment made towards the extended credit was on XX/XX/XXXX. The account went into default on XX/XX/XXXX. Which made it time-barred on XX/XX/XXXX. On XX/XX/XXXX is when they filed their lawsuit against my XXXX XXXX name. 

The original creditor sold my debt to the debt collector on XX/XX/XXXX. In the lawsuit they claimed that XX/XX/XXXX was my " Last payment made '', which was the first deceptive practice that they claimed in there lawsuit knowing very well that was false. 

In California Statue of Limitations is 4 years to be able to file a suit. They sued me 4 years, 1 month and 2 days. 

I was in and out of court for 6 months while teaching myself how to represent myself against these deceptive claims. On XX/XX/XXXX I finally was able to prove my case in court and had my motion to dismiss- Statue of limitations granted by the judge.
Consumer complaint received 2023-05-08
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-08-24
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. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Transunion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.