davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
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. (CA)

XXXX XXXX continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with XXXX XXXX directly on several occasions regarding this issue and I continue to get the runaround. XXXX XXXX has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that XXXX XXXX XXXX XXXX is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact XXXX to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is XXXX repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point XXXX is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( XXXX ) XXXX ( XXXX ) XXXX information with actual knowledge of errors. 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. I am asking that these XXXX negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.
Consumer complaint received 2017-09-27
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. (FL)

I was recently denied a student loan by the XXXX XXXX XXXX because of information reported by Equifax. They had someone else 's name, birthdate, and various accounts on my credit history that did not belong to me all under my social security number. They falsely claimed that I had a XXXX XXXX XXXX credit card, XXXX account, and XXXX XXXX car loan all opened between XX/XX/XXXX with a combined debt of more than {$4000.00}. I filed a dispute, but the company has still neglected to remove all the accounts that do not belong to met.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX reported to credit bureau that i owed $ XXXX.i have never had any dealings with XXXX of any type nor received any contact from them.checked my annual report in XXXX and that was the first i knew of this account that is not mine.filed complaint with trans union two times, they asked for documentation?? if i never had any dealings with XXXX, how can i have documentation?? i have a prepaid XXXX for 5yrs.and a XXXX, never had XXXX.do n't know how someone purchased it or ran up a bill of {$2700.00} without making any payments before it was closed by XXXX after 6mo.i do n't know how to resolve this, i 'm a retired elderly person and can not afford to hire someone to correct this.XXXX deleted XXXX after they investigated.the above case number is for trans union.
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I pay excess principal on my monthly mortgage. The check is sent monthly for XXXX, and the mortgage payment due is around XXXX. Despite numerous calls ( around 10 ) to the mortgage servicer, they continue to intermittently misallocate my payment, helping themselves to extra interest or advancing my monthly payment by one month. They tell me it is fixed, and the next month they do the same thing. I bank with USAA Federal Savings Bank in TX. They originated the loan. Both XXXX and XXXX have serviced the loan, and both companies have repeatedly misallocated my payments. The information from XXXX is attached. The information from XXXX was modified after my call to them this week, and no longer reflects their misapplication of my XXXX or XXXX payment. This should also be illegal : changing banking documents rather than showing the correction-
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After having an overdraft account to fund any pending overdraft charges, Huntington Bank has repeatedly charged my account such fees. I have spoken several times with a bank representative, " XXXX XXXX '' at the XXXX location. His direct number is XXXX. 
XXXX XXXX told me that he will speak to his bank Manager to get the funds back into my account, however, it has been three weeks. 
My account has been damaged due to these unauthorized charges. 
Any assistance to resolve this matter would be greatly appreciated.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Merchants Adjustment Service, Inc. (AL)

I completed a complaint on Merchants ADJ Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they sent my information with my signature on it but i've never recieved a sign contract or anything and honestly even if i did received it i never gave my consent to this company. This is not my collection and i need it removed off my credit report immediately.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). 
Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. 
Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " XXXX '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. XXXX was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. 
It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. 
After receiving no response from XXXX XXXX XXXX XXXX, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and Experian and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX XXXX and Experian remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX the following inquiries ... .see below XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least
Consumer complaint received 2017-09-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

Almost 3 years ago, I was in desperate need of a loan. A friend told me about Title Max in XXXX, GA. I went in, explained that I needed {$4000.00}. They told me I qualified for {$7000.00} but they failed to tell me that I would probably NEVER be able to pay if off. No one explained that the full balance needed to be paid off within 30 days or that the interest rate was extremely high. I did n't discover that until almost a year into the My husband recently lost his job and I explained to Title Max that I could no longer afford to pay them as I am now the sole source of income for my family -- which includes XXXX kids in college. To date, I have paid TitleMax almost {$19.00}, XXXX on a {$7000.00} pawn. And the balance I owe now is MORE than I originally borrowed! I 've applied numerous times to have my case reviewed and my title returned and was told, " No ''. This seems blatantly immoral and illegal. I live in constant fear and stress that my vehicle will be repossessed.
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CO)

XX/XX/2017-I was called early in the morning to ask if I wanted to pay my balance to XXXX XXXX XXXX. I told the representative that I was working with the XXXX XXXX company directly and she proceeded to talk loudly and tell me no ma'am that I absolutely cannot do that and I am in collections so I will not be allowed to go through the original creditor to pay my debts. I calmly told her I actually have went through them(original creditor) set up a payment system with them and She continued to argue by which I just wished her a good day and hung up on her. I will not be talked to like a child and called a liar pretty much. It is my money and I will pay my debts to the original creditor not be told I cannot do so. On top of this I am being charged an outrageous amount for a fee through TSI. Also, they have talked to me this way before when I have spoken with them rudely and demanding payment.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

I used a XXXX XXXX XXXX credit card at a Chase Bank ATM. The Chase ATM did not dispense the cash. I called Chase, whom I have a checking account with at the same branch that has the ATM that did not give me my cash - yet still charged the {$500.00} to the XXXX XXXX XXXX card. 

Chase told me they were not at fault ( after being very rude ) and told me it was XXXX XXXX XXXX who was at fault. XXXX XXXX actually had nothing to do with it. It was the company " XXXX XXXX '' who services XXXX XXXX 's prepaid cards who handled the claim ( XXXX XXXX is the ONLY company who actually helped me in the situation here - so the previous claim filed should be disregarded ). Both XXXX XXXX and Chase told me the other was at fault and neither would fix - mind you this was a {$500.00} withdrawal of cash that I was charged for and never received. XXXX XXXX said it would take them over 2 weeks to investigate my claim. Two Weeks? So I asked to see the documentation on my claim since they were acting on my behalf - they refused. I called Chase and again, they refused to do anything. 

XXXX XXXX finally calls me because they get my complaint, and they help me out - and call Chase and finally get the story. Chase knows that their ATM malfunctioned and yet they still have not refunded my money. They KNOW it malfunctioned but they are still keeping my money. This is theft!!! 

I called a district manager for Chase bank - no response. Nothing. 

The location is the XXXX XXXX XXXX XXXX, XXXX WA XXXX p. XXXX I am so happy with the service from XXXX XXXX XXXX when I thought they were at fault they were actually the only one who offered to help me. I am flabbergasted and quite frankly questioning if what both XXXX XXXX and Chase Bank have done is illegal.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (NY)

I have received multiple calls to XXXX XXXX XXXX looking for a XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX. It 's hard to track the caller id as they are spoofing their number. I called them on a recorded line XX/XX/XXXX to tell them that they have a wrong number. I was told by XXXX ( unsure of the name ) that she was going to remove my number off the list. 
Today at Today XX/XX/XXXX XXXX caller ID was XXXX. When I answered the phone I advised the caller, I have called them before to let them know they have the wrong number for this XXXX XXXX XXXX. The female on the phone told me that I must have called another company. I advised her not to call me again, or I will file a complaint. 

I have no faith that this company will not stop calling my house looking for this individual that I do not know who it is. Please help me with this issue.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

This issue has never been addressed. Wells Fargo keeps adding in the two people that used my property. This is between me and Wells Fargo. 

I used my personal promissory notes to pay off two peoples home loans. 
One in the amount of {$60000.00} the other for {$25000.00}. 
Wells Fargo kept both payoffs and required one person to keep paying and sold auctioned off the other even tho the loan payoff was sent overnight. 

Wells Fargo stole from me when it refused to return my loan payoffs when the two people were not given their homes free and clear. This is the reason I filed the complaint and not the other two people. It was my promissory notes that Wells Fargo kept for itself not theirs. 

I have the letter from Wells Fargo that proves Wells Fargo received both promissory notes which has been sent to the CFPB Ombudsman. I welcome investigation. 

CFPB treatment of my promissory notes in this manner is violation of Article 75, Bills of Exchange and Promissory Note Act and accusing my promissory notes are fraudulent is slander. 
CFPB please ask Wells Fargo why it kept my promissory notes when the loans were not paid off. 

CFPB if Wells Fargo tells you it does n't accept promissory notes ask why does Wells Fargo 's own website have the definitions of what a promissory note is and why does Wells Fargo require a promissory for every loan it makes. 

CFPB please ask Wells Fargo why it 's own advisors wrote a {$440000.00} promissory note if promissory notes are worthless. 

CFPB the asset that backs my promissory notes is my promise of monthly payment and the promissory note itself. My promissory note is freely transferable same as the one Wells Fargo advisers wrote. 

CFPB investigate this matter thoroughly as Congress gave you the authority to directly handle individual consumer complaints.. Due to the nature of this complaint I have notified members of Congress and the Senate. 

CFPB require Wells Fargo to publish its response to this complaint in your public forum no private messaging or post mail of any kind.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from Transunion and XXXX and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX Transunion and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... .see below Clarity XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least
Consumer complaint received 2017-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

Paypal has a permanent block or restriction on my account which prevents me from using it and refers to following message : We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2017 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) The Paypal reps I 've spoken with stated that account is actually closed due to number of disputes filed, some are apparently outstanding as they are requesting information according to the message above. If account is actually closed then I should not be able to log in and the restrictions placed on it actually state I am unable to close it. Needless to say, this does not make sense. Please advise Paypal to either remove block or restriction or simply close account
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by Diversified Consultants in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with XXXX and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
Consumer complaint received 2017-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.
Consumer complaint received 2017-09-28
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. (GA)

The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.
Consumer complaint received 2017-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Acceptance Solutions Group, INC (OH)

I called into Ohio Acceptance 2 days before my payment was do to withdraw from my account to set up an arrangement to make the payment on a later date. The amount of {$160.00} was due on XX/XX/XXXX, I wanted to post phone the payment until XX/XX/XXXX. My next payment was set to come out of my account automatically on my next pay day which is XX/XX/XXXX, in the amount of {$160.00}. The person on the phone, her name is XXXX, told me on a recorded line that she agreed to allow me to make that arrangement. She told me to call in on XX/XX/XXXX to make the payment over the phone for {$160.00} to avoid having a double payment of {$320.00} due on XX/XX/XXXX. She agreed to all of this. Well, today I look at my checking account and not only did Ohio Acceptance withdraw the {$160.00} that I needed to pay on XX/XX/XXXX, but they withdrew an extra payment, so in total {$320.00}. I did not agree to this, XXXX said nothing of the sort on the phone with me. My checking account is ruined and now I am short on rent. Please help me with this, I do not know where else to turn for help.